<html>

<head>
<meta http-equiv=Content-Type content="text/html; charset=us-ascii">
<meta name=Generator content="Microsoft Word 11 (filtered)">
<title>Background Checking</title>

<style>
<!--
 /* Font Definitions */
 @font-face
	{font-family:Courier;
	panose-1:2 7 4 9 2 2 5 2 4 4;}
@font-face
	{font-family:Wingdings;
	panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
	{font-family:"Arial Unicode MS";
	panose-1:2 11 6 4 2 2 2 2 2 4;}
@font-face
	{font-family:Tahoma;
	panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
	{font-family:Verdana;
	panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
	{font-family:Copperplate31ab;
	panose-1:0 0 0 0 0 0 0 0 0 0;}
@font-face
	{font-family:GillSans;}
@font-face
	{font-family:"Verdana\, Arial\, Helvetica";
	panose-1:0 0 0 0 0 0 0 0 0 0;}
@font-face
	{font-family:Garamond;
	panose-1:2 2 4 4 3 3 1 1 8 3;}
@font-face
	{font-family:"\@Arial Unicode MS";
	panose-1:2 11 6 4 2 2 2 2 2 4;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	font-size:11.0pt;
	font-family:Arial;}
h1
	{margin-top:24.0pt;
	margin-right:0in;
	margin-bottom:12.0pt;
	margin-left:.3in;
	text-align:justify;
	text-indent:-.3in;
	page-break-after:avoid;
	font-size:14.0pt;
	font-family:Copperplate31ab;
	font-weight:normal;}
h2
	{margin-top:.25in;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.4in;
	text-indent:-.4in;
	page-break-after:avoid;
	font-size:12.0pt;
	font-family:Arial;
	layout-grid-mode:line;
	font-weight:bold;
	font-style:italic;}
h3
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.5in;
	text-indent:-.5in;
	page-break-after:avoid;
	font-size:10.0pt;
	font-family:Arial;
	layout-grid-mode:line;
	font-weight:bold;}
h4
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:3.0pt;
	margin-left:0in;
	page-break-after:avoid;
	font-size:10.0pt;
	font-family:Arial;
	font-weight:bold;}
h5
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.7in;
	text-align:justify;
	text-indent:-.7in;
	page-break-after:avoid;
	punctuation-wrap:simple;
	text-autospace:none;
	font-size:12.0pt;
	font-family:GillSans;
	font-weight:bold;}
h6
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:3.0pt;
	margin-left:.8in;
	text-align:justify;
	text-indent:-.8in;
	font-size:11.0pt;
	font-family:GillSans;
	font-weight:bold;}
p.MsoHeading7, li.MsoHeading7, div.MsoHeading7
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:3.0pt;
	margin-left:.9in;
	text-align:justify;
	text-indent:-.9in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoHeading8, li.MsoHeading8, div.MsoHeading8
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:3.0pt;
	margin-left:1.0in;
	text-align:justify;
	text-indent:-1.0in;
	font-size:12.0pt;
	font-family:GillSans;
	font-style:italic;}
p.MsoHeading9, li.MsoHeading9, div.MsoHeading9
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:3.0pt;
	margin-left:1.1in;
	text-align:justify;
	text-indent:-1.1in;
	font-size:11.0pt;
	font-family:Arial;}
p.MsoIndex1, li.MsoIndex1, div.MsoIndex1
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:12.0pt;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoIndex2, li.MsoIndex2, div.MsoIndex2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:24.0pt;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoIndex3, li.MsoIndex3, div.MsoIndex3
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.5in;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoIndex4, li.MsoIndex4, div.MsoIndex4
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:48.0pt;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoIndex5, li.MsoIndex5, div.MsoIndex5
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:60.0pt;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoIndex6, li.MsoIndex6, div.MsoIndex6
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.0in;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoIndex7, li.MsoIndex7, div.MsoIndex7
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:84.0pt;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoIndex8, li.MsoIndex8, div.MsoIndex8
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:96.0pt;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoIndex9, li.MsoIndex9, div.MsoIndex9
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.5in;
	text-align:justify;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoToc1, li.MsoToc1, div.MsoToc1
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	font-size:11.0pt;
	font-family:"Times New Roman";
	font-weight:bold;}
p.MsoToc2, li.MsoToc2, div.MsoToc2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:11.0pt;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:"Times New Roman";
	font-style:italic;}
p.MsoToc3, li.MsoToc3, div.MsoToc3
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:22.0pt;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:"Times New Roman";}
p.MsoToc4, li.MsoToc4, div.MsoToc4
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:33.0pt;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:"Times New Roman";}
p.MsoToc5, li.MsoToc5, div.MsoToc5
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:44.0pt;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:"Times New Roman";}
p.MsoToc6, li.MsoToc6, div.MsoToc6
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:55.0pt;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:"Times New Roman";}
p.MsoToc7, li.MsoToc7, div.MsoToc7
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:66.0pt;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:"Times New Roman";}
p.MsoToc8, li.MsoToc8, div.MsoToc8
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:77.0pt;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:"Times New Roman";}
p.MsoToc9, li.MsoToc9, div.MsoToc9
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:88.0pt;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:"Times New Roman";}
p.MsoNormalIndent, li.MsoNormalIndent, div.MsoNormalIndent
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.5in;
	font-size:11.0pt;
	font-family:Arial;}
p.MsoFootnoteText, li.MsoFootnoteText, div.MsoFootnoteText
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:11.0pt;
	font-family:GillSans;}
p.MsoCommentText, li.MsoCommentText, div.MsoCommentText
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:11.0pt;
	font-family:GillSans;}
p.MsoHeader, li.MsoHeader, div.MsoHeader
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	border:none;
	padding:0in;
	font-size:11.0pt;
	font-family:GillSans;}
p.MsoFooter, li.MsoFooter, div.MsoFooter
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	border:none;
	padding:0in;
	font-size:11.0pt;
	font-family:GillSans;}
p.MsoIndexHeading, li.MsoIndexHeading, div.MsoIndexHeading
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:Arial;
	font-weight:bold;}
p.MsoCaption, li.MsoCaption, div.MsoCaption
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:center;
	font-size:12.0pt;
	font-family:GillSans;
	font-weight:bold;}
p.MsoTof, li.MsoTof, div.MsoTof
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:24.0pt;
	text-indent:-24.0pt;
	font-size:11.0pt;
	font-family:Arial;}
p.MsoEnvelopeAddress, li.MsoEnvelopeAddress, div.MsoEnvelopeAddress
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:2.0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:Arial;}
p.MsoEnvelopeReturn, li.MsoEnvelopeReturn, div.MsoEnvelopeReturn
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:11.0pt;
	font-family:Arial;}
span.MsoFootnoteReference
	{vertical-align:super;}
span.MsoCommentReference
	{color:fuchsia;}
p.MsoEndnoteText, li.MsoEndnoteText, div.MsoEndnoteText
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:11.0pt;
	font-family:GillSans;}
p.MsoToa, li.MsoToa, div.MsoToa
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:12.0pt;
	text-indent:-12.0pt;
	font-size:11.0pt;
	font-family:Arial;}
p.MsoMacroText, li.MsoMacroText, div.MsoMacroText
	{margin:0in;
	margin-bottom:.0001pt;
	text-align:justify;
	font-size:10.0pt;
	font-family:"Courier New";}
p.MsoToaHeading, li.MsoToaHeading, div.MsoToaHeading
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	font-size:11.0pt;
	font-family:Arial;
	font-weight:bold;}
p.MsoList, li.MsoList, div.MsoList
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.25in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListBullet, li.MsoListBullet, div.MsoListBullet
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.25in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListNumber, li.MsoListNumber, div.MsoListNumber
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.25in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoList2, li.MsoList2, div.MsoList2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.5in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoList3, li.MsoList3, div.MsoList3
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.75in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoList4, li.MsoList4, div.MsoList4
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.0in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoList5, li.MsoList5, div.MsoList5
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.25in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListBullet2, li.MsoListBullet2, div.MsoListBullet2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.5in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListBullet3, li.MsoListBullet3, div.MsoListBullet3
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	font-size:11.0pt;
	font-family:Arial;}
p.MsoListBullet4, li.MsoListBullet4, div.MsoListBullet4
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.0in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListBullet5, li.MsoListBullet5, div.MsoListBullet5
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.25in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListNumber2, li.MsoListNumber2, div.MsoListNumber2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.5in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListNumber3, li.MsoListNumber3, div.MsoListNumber3
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.75in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListNumber4, li.MsoListNumber4, div.MsoListNumber4
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.0in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListNumber5, li.MsoListNumber5, div.MsoListNumber5
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.25in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoTitle, li.MsoTitle, div.MsoTitle
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:0in;
	margin-bottom:.0001pt;
	font-size:18.0pt;
	font-family:Arial;
	color:navy;
	font-weight:bold;}
p.MsoClosing, li.MsoClosing, div.MsoClosing
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:3.0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoSignature, li.MsoSignature, div.MsoSignature
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:3.0in;
	font-size:11.0pt;
	font-family:Arial;}
p.MsoBodyText, li.MsoBodyText, div.MsoBodyText
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;
	layout-grid-mode:line;}
p.MsoBodyTextIndent, li.MsoBodyTextIndent, div.MsoBodyTextIndent
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.25in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListContinue, li.MsoListContinue, div.MsoListContinue
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.25in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListContinue2, li.MsoListContinue2, div.MsoListContinue2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.5in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListContinue3, li.MsoListContinue3, div.MsoListContinue3
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.75in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListContinue4, li.MsoListContinue4, div.MsoListContinue4
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoListContinue5, li.MsoListContinue5, div.MsoListContinue5
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:1.25in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoMessageHeader, li.MsoMessageHeader, div.MsoMessageHeader
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.75in;
	text-align:justify;
	text-indent:-.75in;
	background:#CCCCCC;
	border:none;
	padding:0in;
	font-size:12.0pt;
	font-family:Arial;}
p.MsoSubtitle, li.MsoSubtitle, div.MsoSubtitle
	{margin:0in;
	margin-bottom:.0001pt;
	text-align:center;
	font-size:14.0pt;
	font-family:Copperplate31ab;
	font-weight:bold;}
p.MsoSalutation, li.MsoSalutation, div.MsoSalutation
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	font-size:11.0pt;
	font-family:Arial;}
p.MsoDate, li.MsoDate, div.MsoDate
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoBodyTextFirstIndent, li.MsoBodyTextFirstIndent, div.MsoBodyTextFirstIndent
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	text-indent:10.5pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoBodyTextFirstIndent2, li.MsoBodyTextFirstIndent2, div.MsoBodyTextFirstIndent2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.25in;
	text-align:justify;
	text-indent:10.5pt;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoNoteHeading, li.MsoNoteHeading, div.MsoNoteHeading
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	font-size:11.0pt;
	font-family:Arial;}
p.MsoBodyText2, li.MsoBodyText2, div.MsoBodyText2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	line-height:200%;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoBodyText3, li.MsoBodyText3, div.MsoBodyText3
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	line-height:200%;
	font-size:12.0pt;
	font-family:Arial;}
p.MsoBodyTextIndent2, li.MsoBodyTextIndent2, div.MsoBodyTextIndent2
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.25in;
	text-align:justify;
	line-height:200%;
	font-size:12.0pt;
	font-family:GillSans;}
p.MsoBodyTextIndent3, li.MsoBodyTextIndent3, div.MsoBodyTextIndent3
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.25in;
	text-align:justify;
	font-size:8.0pt;
	font-family:GillSans;}
p.MsoBlockText, li.MsoBlockText, div.MsoBlockText
	{margin-top:6.0pt;
	margin-right:1.0in;
	margin-bottom:6.0pt;
	margin-left:1.0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
a:link, span.MsoHyperlink
	{color:blue;
	text-decoration:none;}
a:visited, span.MsoHyperlinkFollowed
	{color:purple;
	text-decoration:none;}
p.MsoDocumentMap, li.MsoDocumentMap, div.MsoDocumentMap
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	background:navy;
	font-size:12.0pt;
	font-family:Tahoma;}
p.MsoPlainText, li.MsoPlainText, div.MsoPlainText
	{margin:0in;
	margin-bottom:.0001pt;
	font-size:10.0pt;
	font-family:"Courier New";}
p.MsoAutoSig, li.MsoAutoSig, div.MsoAutoSig
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;}
p
	{margin:0in;
	margin-bottom:.0001pt;
	font-size:8.0pt;
	font-family:"Times New Roman";}
address
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:12.0pt;
	font-family:GillSans;
	font-style:italic;}
code
	{font-family:"Courier New";}
pre
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	font-size:11.0pt;
	font-family:"Courier New";}
p.XML, li.XML, div.XML
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	font-size:11.0pt;
	font-family:"Courier New";}
p.Appendices, li.Appendices, div.Appendices
	{margin-top:24.0pt;
	margin-right:0in;
	margin-bottom:12.0pt;
	margin-left:.3in;
	text-align:center;
	text-indent:-.3in;
	page-break-after:avoid;
	font-size:14.0pt;
	font-family:Copperplate31ab;
	font-weight:bold;}
p.Bullet, li.Bullet, div.Bullet
	{margin-top:3.0pt;
	margin-right:4.3pt;
	margin-bottom:3.0pt;
	margin-left:.5in;
	text-align:justify;
	text-indent:-.25in;
	font-size:12.0pt;
	font-family:GillSans;
	layout-grid-mode:line;}
p.FooterLandscape, li.FooterLandscape, div.FooterLandscape
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	border:none;
	padding:0in;
	font-size:11.0pt;
	font-family:GillSans;}
p.HeaderLandscape, li.HeaderLandscape, div.HeaderLandscape
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	text-align:justify;
	border:none;
	padding:0in;
	font-size:11.0pt;
	font-family:GillSans;}
p.Number, li.Number, div.Number
	{margin-top:3.0pt;
	margin-right:0in;
	margin-bottom:3.0pt;
	margin-left:.5in;
	text-indent:-.25in;
	font-size:11.0pt;
	font-family:Arial;}
p.TitleCover, li.TitleCover, div.TitleCover
	{margin-top:1.25in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:.75in;
	margin-bottom:.0001pt;
	page-break-after:avoid;
	font-size:36.0pt;
	font-family:Arial;
	letter-spacing:-2.4pt;
	font-weight:bold;}
p.SubtitleCover, li.SubtitleCover, div.SubtitleCover
	{margin-top:76.0pt;
	margin-right:84.0pt;
	margin-bottom:0in;
	margin-left:.75in;
	margin-bottom:.0001pt;
	page-break-after:avoid;
	font-size:20.0pt;
	font-family:"Times New Roman";
	letter-spacing:-1.0pt;
	font-style:italic;}
p.TableText, li.TableText, div.TableText
	{margin:0in;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:Arial;}
p.TableBullet, li.TableBullet, div.TableBullet
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:.15in;
	margin-bottom:.0001pt;
	text-indent:-.15in;
	font-size:11.0pt;
	font-family:Arial;}
p.TableHeader, li.TableHeader, div.TableHeader
	{margin:0in;
	margin-bottom:.0001pt;
	text-align:center;
	font-size:11.0pt;
	font-family:Copperplate31ab;
	color:white;
	font-weight:bold;}
p.TableList, li.TableList, div.TableList
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:.25in;
	margin-bottom:.0001pt;
	text-indent:-.3in;
	font-size:11.0pt;
	font-family:Arial;}
p.TableSubheader, li.TableSubheader, div.TableSubheader
	{margin:0in;
	margin-bottom:.0001pt;
	text-align:center;
	font-size:11.0pt;
	font-family:Arial;
	font-weight:bold;}
p.Version, li.Version, div.Version
	{margin:0in;
	margin-bottom:.0001pt;
	text-align:center;
	font-size:10.0pt;
	font-family:Copperplate31ab;}
span.m1
	{color:blue;}
span.pi1
	{color:blue;}
span.d1
	{color:blue;}
p.Style1, li.Style1, div.Style1
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:.5in;
	text-indent:-.5in;
	page-break-after:avoid;
	font-size:10.0pt;
	font-family:Arial;
	layout-grid-mode:line;
	font-weight:bold;}
p.H4, li.H4, div.H4
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:6.0pt;
	margin-left:0in;
	font-size:11.0pt;
	font-family:Arial;
	font-weight:bold;}
span.b1
	{font-family:"Courier New";
	color:red;
	font-weight:bold;
	text-decoration:none none;}
span.t1
	{color:#990000;}
span.tx1
	{font-weight:bold;}
p.b, li.b, div.b
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:"Courier New";
	color:red;
	font-weight:bold;}
p.e, li.e, div.e
	{margin-right:12.0pt;
	margin-left:12.0pt;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:"Times New Roman";}
p.k, li.k, div.k
	{margin-right:12.0pt;
	margin-left:12.0pt;
	text-indent:-12.0pt;
	font-size:12.0pt;
	font-family:"Times New Roman";}
p.t, li.t, div.t
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:"Times New Roman";
	color:#990000;}
p.xt, li.xt, div.xt
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:"Times New Roman";
	color:#990099;}
p.ns, li.ns, div.ns
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:"Times New Roman";
	color:red;}
p.m, li.m, div.m
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:"Times New Roman";
	color:blue;}
p.tx, li.tx, div.tx
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:"Times New Roman";
	font-weight:bold;}
p.db, li.db, div.db
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:12.0pt;
	margin-bottom:.0001pt;
	border:none;
	padding:0in;
	font-size:12.0pt;
	font-family:Courier;}
p.di, li.di, div.di
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:Courier;}
p.d, li.d, div.d
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:"Times New Roman";
	color:blue;}
p.pi, li.pi, div.pi
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:"Times New Roman";
	color:blue;}
p.cb, li.cb, div.cb
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:12.0pt;
	margin-bottom:.0001pt;
	font-size:12.0pt;
	font-family:Courier;
	color:#888888;}
p.ci, li.ci, div.ci
	{margin-right:0in;
	margin-left:0in;
	font-size:12.0pt;
	font-family:Courier;
	color:#888888;}
span.note1
	{color:gray;}
span.headers1
	{font-family:"Verdana\, Arial\, Helvetica";
	font-weight:bold;}
p.WorkingDraftDate, li.WorkingDraftDate, div.WorkingDraftDate
	{margin-top:12.0pt;
	margin-right:0in;
	margin-bottom:12.0pt;
	margin-left:0in;
	font-size:16.0pt;
	font-family:Arial;
	color:navy;}
p.Heading3Preface, li.Heading3Preface, div.Heading3Preface
	{margin:0in;
	margin-bottom:.0001pt;
	font-size:10.0pt;
	font-family:Arial;
	font-weight:bold;}
p.PrefaceText, li.PrefaceText, div.PrefaceText
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:.5in;
	margin-bottom:.0001pt;
	font-size:10.0pt;
	font-family:Arial;}
p.Heading2Preface, li.Heading2Preface, div.Heading2Preface
	{margin-top:24.0pt;
	margin-right:0in;
	margin-bottom:3.0pt;
	margin-left:0in;
	font-size:14.0pt;
	font-family:Arial;
	color:navy;
	font-weight:bold;}
p.ITUtitre1, li.ITUtitre1, div.ITUtitre1
	{margin-top:19.85pt;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:31.2pt;
	margin-bottom:.0001pt;
	text-align:justify;
	text-indent:-31.2pt;
	page-break-after:avoid;
	font-size:10.0pt;
	font-family:"Times New Roman";
	font-weight:bold;}
p.ITUparnormal, li.ITUparnormal, div.ITUparnormal
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:0in;
	margin-bottom:.0001pt;
	text-align:justify;
	text-indent:31.2pt;
	font-size:10.0pt;
	font-family:"Times New Roman";}
p.ITUtitre2, li.ITUtitre2, div.ITUtitre2
	{margin-top:11.35pt;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:31.2pt;
	margin-bottom:.0001pt;
	text-align:justify;
	text-indent:-31.2pt;
	page-break-after:avoid;
	font-size:10.0pt;
	font-family:"Times New Roman";
	font-style:italic;}
p.ITUlistetiret, li.ITUlistetiret, div.ITUlistetiret
	{margin-top:4.0pt;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:48.2pt;
	margin-bottom:.0001pt;
	text-align:justify;
	text-indent:-17.0pt;
	font-size:10.0pt;
	font-family:"Times New Roman";}
p.ITUparnumrot, li.ITUparnumrot, div.ITUparnumrot
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:0in;
	margin-bottom:.0001pt;
	text-align:justify;
	font-size:10.0pt;
	font-family:"Times New Roman";}
p.ITUnotebasPage, li.ITUnotebasPage, div.ITUnotebasPage
	{margin-top:6.0pt;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:17.0pt;
	margin-bottom:.0001pt;
	text-align:justify;
	text-indent:-17.0pt;
	font-size:9.0pt;
	font-family:"Times New Roman";}
p.NormalXML, li.NormalXML, div.NormalXML
	{margin-top:0in;
	margin-right:0in;
	margin-bottom:0in;
	margin-left:.5in;
	margin-bottom:.0001pt;
	font-size:11.0pt;
	font-family:Arial;}
p.rootnode, li.rootnode, div.rootnode
	{margin-right:0in;
	margin-left:0in;
	font-size:8.0pt;
	font-family:Verdana;}
p.treenode, li.treenode, div.treenode
	{margin-right:0in;
	margin-left:0in;
	font-size:8.0pt;
	font-family:Verdana;}
p.highlightitem, li.highlightitem, div.highlightitem
	{margin-right:0in;
	margin-left:0in;
	background:#000066;
	font-size:8.0pt;
	font-family:Verdana;
	color:white;}
p.disableditem, li.disableditem, div.disableditem
	{margin-right:0in;
	margin-left:0in;
	font-size:8.0pt;
	font-family:Verdana;
	color:gray;}
 /* Page Definitions */
 @page Section1
	{size:8.5in 11.0in;
	margin:1.0in 1.0in .6in 1.0in;}
div.Section1
	{page:Section1;}
 /* List Definitions */
 ol
	{margin-bottom:0in;}
ul
	{margin-bottom:0in;}
-->
</style>

</head>

<body lang=EN-US link=blue vlink=purple>

<div class=Section1>

<p class=XML><span style='font-family:Arial'><img width=281 height=87
src="CreditReport_files/image001.jpg">&nbsp;</span></p>

<p class=MsoTitle>Background Reports: Credit Report </p>

<p class=MsoTitle>Recommendation, 2006 Feb 28</p>

<p class=Heading3Preface style='margin-top:6.0pt'><br>
Editors:&nbsp; <span style='font-weight:normal'>Craig Corner, HireCheck; Chuck
Allen, HR-XML Consortium, Inc.</span></p>

<p class=PrefaceText>&nbsp;</p>

<p class=Heading3Preface style='margin-top:6.0pt'>Contributors:&nbsp;&nbsp; </p>

<p class=Heading3Preface style='margin-top:6.0pt'><span style='font-weight:
normal'>Brad Whitney, American Background; Sue Morgan, HireCheck; Paul Kiel,
HR-XML Consortium, Inc.; Mark Sulimirski, ChoicePoint; Charles Rieckhoff,
HireRight; Owen Wilson, Total Information Services, Inc.</span></p>

<p class=Heading3Preface style='margin-top:6.0pt'>Copyright statement</p>

<p class=PrefaceText style='margin-left:0in'>&copy;2006 HR-XML. All rights
reserved. No part of this publication may be reproduced, stored in a retrieval
system, or transmitted, in any form or by any means, electronic, mechanical,
photocopying, recording, or otherwise, without the prior written permission of
the publisher. </p>

<div style='border:none;border-top:double windowtext 2.25pt;padding:24.0pt 0in 0in 0in'>

<p class=Heading2Preface style='margin-top:12.0pt;border:none;padding:0in'>Abstract</p>

</div>

<p class=MsoNormal>This document contains the element definitions for the
HR-XML Consortium&#8217;s Credit Report schema (Credit.xsd). The schema is a
component of HR-XML&#8217;s Background Checking specification. For further
information on the Background Checking Specification, see:<br>
<span style='font-size:9.0pt;font-family:"Courier New"'><a
href="http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/BackgroundChecking.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/BackgroundChecking.html</a></span></p>

<p class=Heading2Preface style='margin-top:12.0pt'>Status of this Document</p>

<p class=MsoPlainText><span style='font-family:Arial'>The key words
&quot;MUST&quot;, &quot;MUST NOT&quot;, &quot;REQUIRED&quot;,
&quot;SHALL&quot;, &quot;SHALL NOT&quot;, &quot;SHOULD&quot;, &quot;SHOULD
NOT&quot;, &quot;RECOMMENDED&quot;, &quot;MAY&quot;, and &quot;OPTIONAL&quot;
in this document are to be interpreted as described in RFC 2119.</span></p>

<b><span style='font-size:14.0pt;font-family:Arial;color:navy'><br clear=all
style='page-break-before:always'>
</span></b>

<p class=Heading2Preface style='margin-top:12.0pt;margin-right:0in;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt'>Table of Contents</p>

<p class=MsoToc1><span class=MsoHyperlink><a href="#_Toc75919074">1<span
style='font-size:12.0pt;color:windowtext;font-weight:normal'>&nbsp;&nbsp;&nbsp;&nbsp; </span>Overview<span
style='color:windowtext;display:none'>.. </span><span
style='color:windowtext;display:none'>4</span></a></span></p>

<p class=MsoToc2><span class=MsoHyperlink><a href="#_Toc75919075">1.1<span
style='font-size:12.0pt;color:windowtext;font-style:normal'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Objective<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>4</span></a></span></p>

<p class=MsoToc2><span class=MsoHyperlink><a href="#_Toc75919076">1.2<span
style='font-size:12.0pt;color:windowtext;font-style:normal'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Terminology<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>5</span></a></span></p>

<p class=MsoToc1><span class=MsoHyperlink><a href="#_Toc75919077">2<span
style='font-size:12.0pt;color:windowtext;font-weight:normal'>&nbsp;&nbsp;&nbsp;&nbsp; </span>Business
Process Supported<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>5</span></a></span></p>

<p class=MsoToc1><span class=MsoHyperlink><a href="#_Toc75919078">3<span
style='font-size:12.0pt;color:windowtext;font-weight:normal'>&nbsp;&nbsp;&nbsp;&nbsp; </span>Schema
Design<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>6</span></a></span></p>

<p class=MsoToc2><span class=MsoHyperlink><a href="#_Toc75919079">3.1<span
style='font-size:12.0pt;color:windowtext;font-style:normal'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Design
Requirements: Interoperability With Credit Bureau Formats<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>6</span></a></span></p>

<p class=MsoToc2><span class=MsoHyperlink><a href="#_Toc75919080">3.2<span
style='font-size:12.0pt;color:windowtext;font-style:normal'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Schema
Element Descriptions<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>6</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919081">3.2.1<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Credit
Report<span style='color:windowtext;display:none'> </span><span style='color:windowtext;display:none'>6</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919082">3.2.2<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>ProcessedDate<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>7</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919083">3.2.3<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>CreditFile<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>8</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919084">3.2.4<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>PersonalData<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>9</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919085">3.2.5<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>DemographicDetail<span
style='color:windowtext;display:none'> </span><span
style='color:windowtext;display:none'>12</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919086">3.2.6<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>EmploymentInformation<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>13</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919087">3.2.7<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>ReportedAliases<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>15</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919088">3.2.8<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>CreditConsumerReferal<span
style='color:windowtext;display:none'> </span><span
style='color:windowtext;display:none'>17</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919089">3.2.9<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>CreditLiability<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>19</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919090">3.2.10<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Creditor<span
style='color:windowtext;display:none'> </span><span
style='color:windowtext;display:none'>22</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919091">3.2.11<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>AccountOwnershipType<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>23</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919092">3.2.12<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>AccountStatusType<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>24</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919093">3.2.13<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>AccountType<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>25</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919094">3.2.14<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>CreditLoanType<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>26</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919095">3.2.15<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>CurrentRating<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>27</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919096">3.2.16<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>HighestAdverseRating<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>27</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919097">3.2.17<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>MostRecentAdverseRating<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>28</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919098">3.2.18<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>PaymentPattern<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>29</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919099">3.2.19<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>PriorAdverseRating<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>29</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919100">3.2.20<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>PaymentStatus<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>30</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919101">3.2.21<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>InformationalMessage<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>31</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919102">3.2.22<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>PublicRecord<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>32</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919103">3.2.23<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>InformationalMessage<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>37</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919104">3.2.24<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>CreditInquiry<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>38</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919105">3.2.25<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>CreditSummary<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>41</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919106">3.2.26<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>BalanceAmount<span
style='color:windowtext;display:none'> </span><span
style='color:windowtext;display:none'>43</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919107">3.2.27<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>DelinquencyCounters<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>44</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919108">3.2.28<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>HightCreditAmount<span
style='color:windowtext;display:none'> </span><span
style='color:windowtext;display:none'>44</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919109">3.2.29<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>PastDueBalance<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>45</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919110">3.2.30<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>PaymentAmount<span
style='color:windowtext;display:none'> </span><span
style='color:windowtext;display:none'>45</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919111">3.2.31<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>TotalCreditLimit<span
style='color:windowtext;display:none'> </span><span
style='color:windowtext;display:none'>46</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919112">3.2.32<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>TradeRatings<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>46</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919113">3.2.33<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>InformationalMessage<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>47</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919114">3.2.34<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>CreditScore<span
style='color:windowtext;display:none'>. </span><span
style='color:windowtext;display:none'>47</span></a></span></p>

<p class=MsoToc3><span class=MsoHyperlink><a href="#_Toc75919115">3.2.35<span
style='font-size:12.0pt;color:windowtext'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Global
Simple Types<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>49</span></a></span></p>

<p class=MsoToc1><span class=MsoHyperlink><a href="#_Toc75919116">4<span
style='font-size:12.0pt;color:windowtext;font-weight:normal'>&nbsp;&nbsp;&nbsp;&nbsp; </span>Implementation
Considerations<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>56</span></a></span></p>

<p class=MsoToc2><span class=MsoHyperlink><a href="#_Toc75919117">4.1<span
style='font-size:12.0pt;color:windowtext;font-style:normal'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Data
Privacy<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>56</span></a></span></p>

<p class=MsoToc2><span class=MsoHyperlink><a href="#_Toc75919118">4.2<span
style='font-size:12.0pt;color:windowtext;font-style:normal'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Laws
Governing Credit Checks<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>56</span></a></span></p>

<p class=MsoToc1><span class=MsoHyperlink><a href="#_Toc75919119">5<span
style='font-size:12.0pt;color:windowtext;font-weight:normal'>&nbsp;&nbsp;&nbsp;&nbsp; </span>Appendix
A &#8211; Document Version History<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>57</span></a></span></p>

<p class=MsoToc1><span class=MsoHyperlink><a href="#_Toc75919120">6<span
style='font-size:12.0pt;color:windowtext;font-weight:normal'>&nbsp;&nbsp;&nbsp;&nbsp; </span>Appendix
B &#8211; Related Documents<span style='color:windowtext;display:none'>. </span><span style='color:windowtext;display:none'>57</span></a></span></p>

<p class=MsoNormal><a name="_Toc492656045"></a><a name="_Toc492655883"></a><a
name="_Toc487469949"><br clear=all style='page-break-before:always'>
</a>&nbsp;</p>

<h1><a name="_Toc75919074">1<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Overview</a><a name="_Toc492656056"></a><a name="_Toc492655894"></a><a
name="_Toc493472395"></a><a name="_Toc493472734"></a><a name="_Toc493472396"></a><a
name="_Toc493472735"></a><a name="_Toc493472034"></a><a name="_Toc493472399"></a><a
name="_Toc493472738"></a><a name="_Toc493472400"></a><a name="_Toc493472739"></a><a
name="_Toc493472401"></a><a name="_Toc493472740"></a><a name="_Toc493472436"></a><a
name="_Toc493472775"></a><a name="_Toc493472437"></a><a name="_Toc493472776"></a><a
name="_Toc492655893"></a><a name="_Toc492656055"></a><a name="_Toc493472438"></a><a
name="_Toc493472777"></a></h1>

<p class=MsoNormal>Credit reports are frequently used as part of a background
check. Credit reports can help verify basic facts about the search subject,
including prior employers, addresses, and other names the search subject may
have used. This information may be be used as input for other screenings, such
as employment verification and criminal records searches. For example,
identifying prior addresses can be important for deciding which courts to
target for a criminal records search. Of course, credit reports also provide
valuable insight into a job applicant&#8217;s financial responsibility. This
may be particularly important if a position involves handling cash,
responsibility for managing money, or similar fiduciary responsibilities.</p>

<h2><a name="_Toc75919075"></a><a name="_Ref1837712">1.1<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Objective</a></h2>

<p class=MsoNormal>There are several private &#8220;bureaus&#8221; that provide
credit reports for employment screening purposes. Within the United States,
Experian&#8217;s Employee Insight&#8482;, Equifax&#8217;s Persona&#8482;, and
Trans Union&#8217;s PEER&#8482; are the most widely used services. Each service
makes its data available in its own proprietary format.</p>

<p class=MsoNormal>The HR-XML Consortium&#8217;s Credit Report schema is
intended to be granular and sufficiently detailed to capture all of the credit
data <i>relevant to employment screening</i>. In designing the schema, members
of the HR-XML Consortium&#8217;s Screening workgroup reviewed the reports
produced by each of the credit bureaus. They were careful to ensure that the
HR-XML Consortium Credit Reports schema could accommodate all the relevant data
fields from the credit bureau report formats. The HR-XML Consortium schema has
been designed so that where necessary, the credit bureau&#8217;s codes,
scoring, and scoring model identifiers can be passed through within an HR-XML
Credit Report instance document.</p>

<p class=MsoNormal>Implementors should note that the Consortium&#8217;s Credit
Report schema is not necessarily suitable for purposes other than employment
screening. Consider that the Mortgage Industry Standards Maintenance
Organization (see <a href="http://www.mismo.org/">http://www.mismo.org</a>) has
developed an XML specification for the capture of credit-report details
necessary for the processing of mortgage applications. The MISMO specification
captures the set of credit-report data pertinent to mortgage processing in the
same way that the HR-XML specification captures credit report data pertinent to
employment screening.</p>

<h2><a name="_Toc75919076">1.2<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Terminology</a></h2>

<p class=MsoNormal><b>Credit Bureau.</b>&nbsp; An agency that provides credit
and collection data on consumers within a particular time frame (usually
measured in years). This data includes people's credit histories, and can be
released in the form of credit reports.</p>

<p class=MsoNormal><b>Credit score.</b>&nbsp; This term is used to refer to
credit bureau risk scores. It broadly refers to a number generated by a
statistical model that is used to objectively evaluate information that
pertains to making a credit decision.&nbsp; </p>

<p class=MsoNormal><b>Equifax.</b>&nbsp; One of the three major credit bureaus.
</p>

<p class=MsoNormal><b>Experian</b>.&nbsp; One of the three major major credit
bureaus, formerly known as TRW.</p>

<p class=MsoNormal><b>Inquiry.</b><b><span style='font-family:Garamond'>&nbsp;&nbsp;
</span></b>Every time a lender requests a credit report, a notation is made on
the consumer's record describing the lender, the type of request, and the date.
The request is called an &#8220;inquiry&#8221; and is used to moniter consumer
requests for credit.</p>

<p class=MsoNormal><b>Installment Loan.</b>&nbsp; A credit account in which the
amount of the payment and the number of payments are predetermined or fixed.</p>

<p class=MsoNormal><b>Public Record. </b>&nbsp;Information obtained by the
credit bureau from public court records, such as liens, bankruptcy filings, and
judgments. Public records are open to any person who requests them.</p>

<p class=MsoNormal><b>Revolving Account.</b> An account which requires at least
a specified minimum payment each month plus a service charge on the balance. As
the balance declines, the amount of the service charge, or interest, also
declines.</p>

<p class=MsoNormal><b>Trans Union.</b> One of the three major credit bureaus.</p>

<h1><a name="_Toc75919077"></a><a name="_Toc493471746"></a><a
name="_Toc493472043"></a><a name="_Toc493472446"></a><a name="_Toc493472785"></a><a
name="_Toc493471751"></a><a name="_Toc493472048"></a><a name="_Toc493472451"></a><a
name="_Toc493472790"></a><a name="_Toc493471752"></a><a name="_Toc493472049"></a><a
name="_Toc493472452"></a><a name="_Toc493472791"></a><a name="_Toc493471754"></a><a
name="_Toc493472051"></a><a name="_Toc493472454"></a><a name="_Toc493472793"></a><a
name="_Toc492655903"></a><a name="_Toc492656065"></a><a name="_Toc492868751"></a><a
name="_Toc492868858"></a><a name="_Toc493463955"></a><a name="_Toc493471755"></a><a
name="_Toc493472052"></a><a name="_Toc493472455"></a><a name="_Toc493472794"></a><a
name="_Toc492655904"></a><a name="_Toc492656066"></a><a name="_Toc492868752"></a><a
name="_Toc492868859"></a><a name="_Toc493463956"></a><a name="_Toc493471756"></a><a
name="_Toc493472053"></a><a name="_Toc493472456"></a><a name="_Toc493472795"></a><a
name="_Toc493471757"></a><a name="_Toc493472054"></a><a name="_Toc493472457"></a><a
name="_Toc493472796"></a><a name="_Toc492655909"></a><a name="_Toc492656071"></a><a
name="_Toc492868757"></a><a name="_Toc492868864"></a><a name="_Toc493463961"></a><a
name="_Toc493471761"></a><a name="_Toc493472058"></a><a name="_Toc493472461"></a><a
name="_Toc493472800"></a><a name="_Toc492655914"></a><a name="_Toc492656076"></a><a
name="_Toc492868762"></a><a name="_Toc492868869"></a><a name="_Toc493463966"></a><a
name="_Toc493471766"></a><a name="_Toc493472063"></a><a name="_Toc493472466"></a><a
name="_Toc493472805"></a><a name="_Toc492655917"></a><a name="_Toc492656079"></a><a
name="_Toc492868765"></a><a name="_Toc492868872"></a><a name="_Toc493463969"></a><a
name="_Toc493471769"></a><a name="_Toc493472066"></a><a name="_Toc493472469"></a><a
name="_Toc493472808"></a><a name="_Toc493471771"></a><a name="_Toc493472068"></a><a
name="_Toc493472471"></a><a name="_Toc493472810"></a><a name="_Toc493471772"></a><a
name="_Toc493472069"></a><a name="_Toc493472472"></a><a name="_Toc493472811"></a><a
name="_Toc493471782"></a><a name="_Toc493472079"></a><a name="_Toc493472482"></a><a
name="_Toc493472820"></a><a name="_Toc493463983"></a><a name="_Toc493471784"></a><a
name="_Toc493472081"></a><a name="_Toc493472484"></a><a name="_Toc493472822"></a><a
name="_Toc493471785"></a><a name="_Toc493472082"></a><a name="_Toc493472485"></a><a
name="_Toc493472823"></a><a name="_Toc493463987"></a><a name="_Toc493471786"></a><a
name="_Toc493472083"></a><a name="_Toc493472486"></a><a name="_Toc493472824"></a><a
name="_Toc493471794"></a><a name="_Toc493472091"></a><a name="_Toc493472494"></a><a
name="_Toc493472832"></a><a name="_Toc493471795"></a><a name="_Toc493472092"></a><a
name="_Toc493472495"></a><a name="_Toc493472833"></a><a name="_Toc493471796"></a><a
name="_Toc493472093"></a><a name="_Toc493472496"></a><a name="_Toc493472834"></a><a
name="_Toc492868799"></a><a name="_Toc492868906"></a><a name="_Toc493463999"></a><a
name="_Toc493471798"></a><a name="_Toc493472095"></a><a name="_Toc493472498"></a><a
name="_Toc493472836"></a><a name="_Toc493471799"></a><a name="_Toc493472096"></a><a
name="_Toc493472499"></a><a name="_Toc493472837"></a><a name="_Toc493471800"></a><a
name="_Toc493472097"></a><a name="_Toc493472500"></a><a name="_Toc493472838"></a><a
name="_Toc493471801"></a><a name="_Toc493472098"></a><a name="_Toc493472501"></a><a
name="_Toc493472839"></a>2<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Business Process Supported</h1>

<p class=MsoNormal>The HR-XML Consortium&#8217;s Credit Report schema was
designed as a component of the HR-XML Consortium&#8217;s Background Checking
specification. For a description and illustration of supported business
processes, see:<br>
<span style='font-size:9.0pt;font-family:"Courier New"'><a
href="http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/BackgroundChecking.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/BackgroundChecking.html</a></span><br>
<br>
The Credit Reporting schema also could be used on a &#8220;stand-alone&#8221;
basis. For example, the schema might be useful in building interfaces between
&#8220;credit reporting engines&#8221; and employment screening service
providers. </p>

<h1><a name="_Toc75919078">3<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Schema Design</a></h1>

<h2><a name="_Toc75919079">3.1<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Design Requirements: Interoperability With Credit Bureau Formats</a></h2>

<p class=MsoNormal>The HR-XML Consortium Credit schema was designed as much as
possible to be interoperable with data formats used by major credit bureaus.
The HR-XML Consortium&#8217;s Sreening workgroup tried to ensure that all data
fields relevant to employment screening could be mapped from credit-bureau
formats to the HR-XML Consortium&#8217;s interchange format. The schema is
designed so that where necessary, credit bureau&#8217;s codes, scoring, and
scoring model identifiers can be passed through within an HR-XML Credit Report
instance document. Consequently, a full understanding of how to implement the
HR-XML Credit Report schema may require some understanding of the source
credit-bureau formats and codes. Implementers should contact the credit bureaus
directly for technical details on their data formats and code sets.</p>

<h2><a name="_Toc75919080">3.2<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Schema Element Descriptions</a></h2>

<p class=MsoNormal><a name="_Ref2157610">The following sections provide
diagrams and element descriptions for each major section of the HR-XML
Consortium&#8217;s Credit Reporting schema.</a></p>

<p class=XML><span style='font-family:Arial'>&nbsp;</span></p>

<h3><a name="_Toc75919081">3.2.1<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Credit Report</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=289 height=399 src="CreditReport_files/image002.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><span
  style='font-size:8.0pt;font-family:Verdana'>Component Name</span></b><span
  style='font-size:8.0pt;font-family:Verdana'> </span></p>
  <p class=MsoNormal align=center style='text-align:center'><span
  style='font-size:8.0pt;font-family:Verdana'>[Global types listed at the end
  of the table.] </span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><span
  style='font-size:8.0pt;font-family:Verdana'>ContentModel</span></b><span
  style='font-size:8.0pt;font-family:Verdana'>* <br>
  <span style='color:green'>Data type</span><br>
  </span><span style='font-size:8.0pt;color:blue'>Occurrence: <br>
  <u>S</u>equence | <u>C</u>hoice | <u>A</u>ll </span><span style='font-size:
  8.0pt;font-family:Verdana;color:blue'>(minOccurs/maxOccurs)</span><span
  style='font-size:8.0pt;font-family:Verdana'><br>
  <span style='color:red'>Attributes</span> </span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><span
  style='font-size:8.0pt;font-family:Verdana'>Definition</span></b></p>
  </td>
 </tr>
 <tr>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>CreditReport</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditReportType - </span><span style='color:blue'>(1/1)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  a report on the credit status/history of the search subject. A credit report
  is the result of a credit screening request. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919082">3.2.2<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>ProcessedDate</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=234 height=162 src="CreditReport_files/image003.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/<br>
  <b>ProcessedDate</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;margin-left:
  0in'><span style='font-family:Verdana'>The date the report was processed or
  generated. This uses FlexibleDatesType, which can accommodate date information
  in a variety of formats, including a string. For example &#8220;Spring
  2003.&#8221; This flexibility is necessary since source data often does not
  conform to a formal or complete date format. This type is used throughout the
  schema.</span></p>
  </td>
 </tr>
</table>

<p class=MsoNormal>&nbsp;</p>

<h3><a name="_Toc75919083">3.2.3<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>CreditFile</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=295 height=235 src="CreditReport_files/image004.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/<br>
  <b>CreditFile</b></span></p>
  </td>
  <td width=238 valign=top style='width:178.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditSSNVerifiedType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Personal
  and identifying data used as input to the credit search. </span></p>
  </td>
 </tr>
 <tr>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/<br>
  <b>FileDate</b></span></p>
  </td>
  <td width=238 valign=top style='width:178.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date
  that credit file was established. </span></p>
  </td>
 </tr>
 <tr>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/<br>
  <b>LastActivityDate</b></span></p>
  </td>
  <td width=238 valign=top style='width:178.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date of
  last activity reported. </span></p>
  </td>
 </tr>
 <tr>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/<br>
  <b>FileReference</b></span></p>
  </td>
  <td width=238 valign=top style='width:178.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EntityIdType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>File
  reference number as assigned by Credit Bureau. </span></p>
  </td>
 </tr>
</table>

<p class=MsoNormal align=center style='text-align:center'>&nbsp;</p>

<h3><a name="_Toc75919084">3.2.4<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>PersonalData</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=595 height=335 src="CreditReport_files/image005.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=616 style='width:462.0pt'>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>CreditFile/<br>
  <b>PersonalData</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditPersonalDataType - </span><span style='color:blue'>S
  (1/*)<br>
  <br>
  </span><span style='color:red'>type</span> <span style='color:green'>xsd:restriction</span><b><span
  style='color:black'> base: </span></b><span style='color:green'>xsd:string
  [Enumerations]: Alias, Other, Current, Prior, NotSpecified</span><br>
  - <span style='color:green'>- </span><span style='color:blue'>optional</span><br>
  <span style='color:red'>idReference</span> - <span style='color:green'>xsd:string
  - </span><span style='color:blue'>optional</span><br>
  <span style='color:red'>idSource</span> - <span style='color:green'>xsd:string
  - </span><span style='color:blue'>optional</span><br>
  <span style='color:red'>enteredOnInquiry</span> - <span style='color:green'>xsd:boolean
  - </span><span style='color:blue'>optional</span><br>
  <span style='color:red'>sequence</span> - <span style='color:green'>xsd:positiveInteger
  - </span><span style='color:blue'>optional</span><br>
  EffectiveDate - <span style='color:green'>EffectiveDateType - </span><span
  style='color:blue'>S (0/1)</span><br>
  PersonName - <span style='color:green'>PersonNameType - </span><span
  style='color:blue'>S (0/*)</span><br>
  PostalAddress - <span style='color:green'>CreditPostalAddressType - </span><span
  style='color:blue'>S (0/*)</span><br>
  ContactMethod - <span style='color:green'>ContactMethodType - </span><span
  style='color:blue'>S (0/*)</span><br>
  DemographicDetail - <span style='color:green'>DemographicDetailType - </span><span
  style='color:blue'>S (0/1)</span><br>
  ReportedDate - <span style='color:green'>ReportedDateType - </span><span
  style='color:blue'>S (0/1)</span><br>
  LastReportedBy - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  UserArea - <span style='color:green'>[see include/import] - </span><span
  style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  collection of information containing descriptive elements, demographic and
  contact information about the search subject. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  [CreditPersonalDataType] /<br>
  <b><span style='color:red'>type</span></b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Alias,
  Other, Current, Prior, NotSpecified</span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Further
  defines the associated element in the context provided. <br>
  [<b>BusinessRule(s): </b>Additional values are permitted if preceded by an x:
  ]<br>
  [<b>Example(s): </b>PersonName/Affix context examples:
  type=&#8221;aristocraticTitle&#8221;..type=&#8221;formOfAddress&#8221;,
  type=&#8221;generation&#8221;, type=&#8221;qualification&#8221;. Contains the
  letters used to describe academic or other type qualifications held by a
  person and/or the distinctions conferred. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  [CreditPersonalDataType] /<br>
  <b><span style='color:red'>idReference</span></b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>May
  contain a reference number of the company, and name if the member company
  that provided the Personal data to the repository. <br>
  [<b>BusinessRule(s): </b>Screening: This is primarily used for the Credit and
  SSN reports (but not limited to them). ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  [CreditPersonalDataType] /<br>
  <b><span style='color:red'>idSource</span></b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  actual source that is reporting the ID. <br>
  [<b>BusinessRule(s): </b>The idOwner typically indicates the owner of the ID
  which in most cases is the same as the issuing authority, but is not
  necessarily the same. In the case of the credit repositories, it is not
  unusual to have an SSN associated with the primary SSN on th ]<br>
  [<b>Example(s): </b>A credit bureau is reporting an SSN that was provided by
  xyz mastercard company. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  [CreditPersonalDataType] /<br>
  <b><span style='color:red'>enteredOnInquiry</span></b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Information
  captured by the credit repository. <br>
  [<b>BusinessRule(s): </b>This differs from data that is received from a
  current liability holder. Information from a liability holder is normally
  received via a different process at the repository. ]<br>
  [<b>Example(s): </b>An individual applies for a car loan and the address
  information is sent to the credit bureau when the inquiry for the individuals
  credit report is made. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  [CreditPersonalDataType] /<br>
  <b><span style='color:red'>sequence</span></b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:positiveInteger - </span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Used
  within the FlexibleDetailType to identify the sequence of items. <br>
  [<b>BusinessRule(s): </b>Screening: This is required in the case of the
  credit reports as the sequencing is critical. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information or events are effective. <br>
  [<b>BusinessRule(s): </b>It is recommended that all EffectiveDate elements
  contain at least a StartDate subelement. This date is inclusive. Dates are
  represented in accordance with ISO 8601. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/<br>
  <b>PersonName</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:extension</span><b><span style='font-size:8.0pt;font-family:
  Verdana;color:black'> base: </span></b><span style='font-size:8.0pt;
  font-family:Verdana;color:green'>PersonNameType</span><span style='font-size:
  8.0pt;font-family:Verdana'><br>
  <span style='color:red'>type</span> - <span style='color:green'>PersonNameTypeType
  - </span><span style='color:blue'>optional</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  of a person. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/ PersonName/<br>
  <b><span style='color:red'>type</span></b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>PersonNameTypeType - </span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Further
  defines the associated element in the context provided. <br>
  <i>Contextual: The type of PersonName. Enumerated values include Subject,
  Alias, Other, Contact. </i>[<b>BusinessRule(s): </b>Additional values are
  permitted if preceded by an x: ] </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/<br>
  <b>PostalAddress</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditPostalAddressType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  mailing address. Describes a postal address used for delivery of mail. The
  address may include the country code, postal code, a region, municipality,
  delivery address, and the recipient. &nbsp; <br>
  [<b>BusinessRule(s): </b>See PostalAddress Recommendation for further
  information. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/ PostalAddress/<br>
  <b>ReportedDate</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ReportedDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  the information was recorded or reported. <br>
  [<b>Example(s): </b>Date information was added to a credit file. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/ PostalAddress/<br>
  <b>LastReportedBy</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Entity
  last reporting the information. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/<br>
  <b>ContactMethod</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ContactMethodType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Defines
  the methods of contacting a person or organizations. <br>
  [<b>Example(s): </b>Postal Address, E-mail, Mobile Number, Fax Number,
  Business Telephone Number, Business Mobile Number ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/<br>
  <b>DemographicDetail</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>DemographicDetailType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  collection of government related and demographic information about the
  person. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/<br>
  <b>ReportedDate</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ReportedDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  the information was recorded or reported. <br>
  [<b>Example(s): </b>Date information was added to a credit file. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=145 valign=top style='width:108.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditFile/ PersonalData/<br>
  <b>LastReportedBy</b></span></p>
  </td>
  <td width=257 valign=top style='width:192.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=206 valign=top style='width:154.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Entity
  last reporting the information. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919085">3.2.5<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>DemographicDetail</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=280 height=717 src="CreditReport_files/image006.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ PersonalData/<br>
  <b>DemographicDetail</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>DemographicDetailType - </span><span style='color:blue'>S
  (0/1)<br>
  <br>
  </span>GovernmentId - <span style='color:green'>PersonalIdType - </span><span
  style='color:blue'>S (0/*)</span><br>
  OtherId - <span style='color:green'>PersonalIdType - </span><span
  style='color:blue'>S (0/*)</span><br>
  DateOfBirth - <span style='color:green'>LocalDateNkNaType - </span><span
  style='color:blue'>S (0/1)</span><br>
  Race - <span style='color:green'>xsd:string - </span><span style='color:blue'>S
  (0/1)</span><br>
  GenderCode - <span style='color:green'>GenderCodeType - </span><span
  style='color:blue'>S (0/1)</span><br>
  VeteranStatus - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  MilitaryStatus - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  Disability - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/*)</span><br>
  Ethnicity - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  Religion - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  Nationality - <span style='color:green'>CountryCodeType - </span><span
  style='color:blue'>S (0/1)</span><br>
  VisaStatus - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  Language - <span style='color:green'>LanguageCodeType - </span><span
  style='color:blue'>S (0/*)</span><br>
  EyeColor - <span style='color:green'>ExtendedPersonEyeColorQualifiers - </span><span
  style='color:blue'>S (0/1)</span><br>
  HairColor - <span style='color:green'>ExtendedPersonHairColorQualifiers - </span><span
  style='color:blue'>S (0/1)</span><br>
  Height - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  Weight - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  IdentifyingMarks - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/*)</span><br>
  BirthPlace - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span><br>
  Age - <span style='color:green'>xsd:nonNegativeInteger - </span><span
  style='color:blue'>S (0/1)</span><br>
  HomeOwner - <span style='color:green'>xsd:boolean - </span><span
  style='color:blue'>S (0/1)</span><br>
  Other - <span style='color:green'>xsd:string - </span><span style='color:
  blue'>S (0/1)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Demographic
  information for the subject upon which the screening will be performed upon.
  Primarily the GovernmentId, DateofBirth, Race and GenderCode unless otherwise
  specified by the organization performing the screening.&nbsp; Note that
  DemographicDetailType is defined within DemographicDetail.xsd, a CPO schema included within ScreeningTypes.xsd. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919086">3.2.6<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>EmploymentInformation</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=322 height=301 src="CreditReport_files/image007.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=607 style='width:455.55pt'>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/<br>
  <b>EmploymentInformation</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>OrganizationName
  - <span style='color:green'>xsd:string - </span><span style='color:blue'>S
  (1/1)</span><br>
  Title - <span style='color:green'>xsd:string - </span><span style='color:
  blue'>S (0/1)</span><br>
  PostalAddress - <span style='color:green'>CreditPostalAddressType - </span><span
  style='color:blue'>S (0/1)</span><br>
  Telephone - <span style='color:green'>TelcomNumberType - </span><span
  style='color:blue'>S (0/*)</span><br>
  ReportedDate - <span style='color:green'>ReportedDateType - </span><span
  style='color:blue'>S (0/1)</span><br>
  VerifiedDate - <span style='color:green'>FlexibleDatesType - </span><span
  style='color:blue'>S (0/1)</span><br>
  EmploymentDate - <span style='color:green'>EffectiveDateType - </span><span
  style='color:blue'>S (0/1)</span><br>
  Compensation - <span style='color:green'>PositionCompensationType - </span><span
  style='color:blue'>S (0/*)</span><br>
  <span style='color:red'>type</span> <span style='color:green'>xsd:restriction</span><b><span
  style='color:black'> base: </span></b><span style='color:green'>xsd:string
  [Enumerations]: Current, Prior, Spouse, Other, Unknown</span><br>
  - <span style='color:green'>- </span><span style='color:blue'>required</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  collection of information about a current or former employer of the person
  who is the subject of the credit report. </span></p>
  </td>
 </tr>
 <tr>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b><span style='color:red'>type</span></b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Current,
  Prior, Spouse, Other, Unknown</span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Indicates
  the type employment information being reported.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b>OrganizationName</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/1)</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  by which an organization or enterprise is known as established under the laws
  of a country, state, province or ruling governmental body for the purpose of
  conducting business transactions. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b>Title</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  title of the position held by the human resource. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b>PostalAddress</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditPostalAddressType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>CPO's
  PostalAddress 1.2 version. Defines the mailing address of the worksite. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/ PostalAddress/<br>
  <b>ReportedDate</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ReportedDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  the information was added to the credit file. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b>Telephone</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:extension</span><b><span style='font-size:8.0pt;font-family:
  Verdana;color:black'> base: </span></b><span style='font-size:8.0pt;
  font-family:Verdana;color:green'>TelcomNumberType</span><span
  style='font-size:8.0pt;font-family:Verdana'><br>
  <span style='color:red'>type</span> - <span style='color:green'>xsd:string - </span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  telephone number. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/ Telephone/<br>
  <b><span style='color:red'>type</span></b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  or classification for the related component. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b>ReportedDate</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ReportedDateType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  the information was added to the credit file. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b>VerifiedDate</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  on which the reported information was last verified </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b>EmploymentDate</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dates of
  employment. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ EmploymentInformation/<br>
  <b>Compensation</b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>PositionCompensationType - </span><span style='color:
  blue'>S (0/*)</span></span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Details
  on the compensation package offered to a human resource. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=186 valign=top style='width:139.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/ CreditReport/
  CreditFile/ EmploymentInformation/<br>
  <b><span style='color:red'>type</span></b></span></p>
  </td>
  <td width=233 valign=top style='width:174.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Current,
  Prior, Spouse, Other, Unknown</span></p>
  </td>
  <td width=180 valign=top style='width:135.3pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  or classification for the related component. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919087">3.2.7<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>ReportedAliases</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=602 height=335 src="CreditReport_files/image008.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/<br>
  <b>ReportedAliases</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditPersonalDataType &#8211; </span><span
  style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Any
  other names or aliases reported for the search subject. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information is effective or known to be
  correct. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/<br>
  <b>PersonName</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:extension</span><b><span style='font-size:8.0pt;font-family:
  Verdana;color:black'> base: </span></b><span style='font-size:8.0pt;
  font-family:Verdana;color:green'>PersonNameType</span><span style='font-size:
  8.0pt;font-family:Verdana'><br>
  <span style='color:red'>type</span> - <span style='color:green'>PersonNameTypeType
  - </span><span style='color:blue'>optional</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  of a person. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/ PersonName/<br>
  <b><span style='color:red'>type</span></b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>PersonNameTypeType - </span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  of PersonName. Enumerated values include Subject, Alias, Other, Contact.
  Other values are permitted if pre-fixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/<br>
  <b>PostalAddress</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditPostalAddressType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>CPO's
  PostalAddress 1.2 version. Defines the mailing address of the worksite. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/ PostalAddress/<br>
  <b>ReportedDate</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ReportedDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  the information was added to the credit file. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/<br>
  <b>ContactMethod</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ContactMethodType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contact
  information, such as work or home telephone number. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/<br>
  <b>DemographicDetail</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>DemographicDetailType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  collection of government related and demographic information about the
  person. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/<br>
  <b>ReportedDate</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ReportedDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  the information was recorded or reported. <br>
  [<b>Example(s): </b>Date information was added to a credit file. ]</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditFile/ ReportedAliases/<br>
  <b>LastReportedBy</b></span></p>
  </td>
  <td width=234 valign=top style='width:175.45pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=181 valign=top style='width:135.8pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Entity
  last reporting the information. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919088">3.2.8<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>CreditConsumerReferal</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=541 height=368 src="CreditReport_files/image009.jpg"></p>

<p class=MsoNormal align=center style='text-align:center'><span
style='font-size:8.0pt;font-family:Verdana'>The credit repository bureaus can
identify the type of business of the liability holder. This information is
needed for an automated scoring application. This data is available for
liability and inquiry records from Equifax, Experian and Trans Union.</span></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=616 style='width:462.0pt'>
 <tr style='page-break-inside:avoid'>
  <td width=219 valign=top style='width:164.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/<br>
  <b>CreditConsumerReferal</b></span></p>
  </td>
  <td width=212 valign=top style='width:158.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditConsumerReferralType - </span><span
  style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  contact information for the credit bureau(s) and/or other organization
  responsible for reporting the information in the credit report. </span></p>
  </td>
 </tr>
 <tr>
  <td width=219 valign=top style='width:164.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditConsumerReferal/<br>
  <b>CreditBusinessType</b></span></p>
  </td>
  <td width=212 valign=top style='width:158.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditBusinessTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  credit repository bureaus can identify the type of business of the liability
  holder. This information is needed for an automated scoring application. This
  data is available for liability and inquiry records from Equifax, Experian
  and Trans Union.</span></p>
  </td>
 </tr>
 <tr>
  <td width=219 valign=top style='width:164.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditConsumerReferal/ CreditBusinessType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=212 valign=top style='width:158.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditBusinessTypeQualifiers - </span><span
  style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Container
  for the value required by the current context. </span></p>
  </td>
 </tr>
 <tr>
  <td width=219 valign=top style='width:164.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditConsumerReferal/ CreditBusinessType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=212 valign=top style='width:158.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr>
  <td width=219 valign=top style='width:164.55pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditConsumerReferal/ CreditBusinessType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=212 valign=top style='width:158.7pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=177 valign=top style='width:132.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919089">3.2.9<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>CreditLiability</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=186 height=811 src="CreditReport_files/image010.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=616 style='width:462.0pt'>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><a name="_Ref31165043"></a><a name="_Ref31165040"><span
  style='font-size:8.0pt;font-family:Verdana'>/ CreditReport/<br>
  <b>CreditLiability</b></span></a></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditLiabilityType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  collection of information regarding a credit liability -- e.g., loan,
  revolving credit line, etc. -- associated with the search subject. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>FurtherReviewRequired</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  boolean indicating whether further review may be required. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountClosedDate</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  that the credit liability account was closed by the liability holder. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountIdentifier</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  account number assigned to the liability account as provided by the credit
  repository bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountOpenedDate</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  that the credit liability account was opened by the liability holder. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountPaidDate</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  that the credit liability was reported paid to zero by the liability holder. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountReportedDate</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  that the credit liability data was reported by the liability holder. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountStatusDate</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  AccountStatusDate is the date that the account's CurrentRating was last
  changed by the liability holder. If the CurrentRating status is Bankruptcy,
  for example, the StatusDate would be when the account first went into
  bankkruptcy. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>ChargeOffAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  amount charged off by a liability holder, usually for an account in
  collection. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>CollateralDescription</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  description of any property or other collateral securing the loan. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>ConsumerDisputeIndicator</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  boolean to indicate whether or not the consumer (borrower) disputes
  information reported for this account and has filed a FCRA dispute form. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>DerogatoryDataIndicator</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  boolean that indicates whether or not the liability account contains adverse
  or derogatory information. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>DeferredAccountTerms</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:extension</span><b><span style='font-size:8.0pt;font-family:
  Verdana;color:black'> base: </span></b><span style='font-size:8.0pt;
  font-family:Verdana;color:green'>xsd:string</span><span style='font-size:
  8.0pt;font-family:Verdana'><br>
  <span style='color:red'>type</span> - <span style='color:green'>DeferredLoanTermsType
  - </span><span style='color:blue'>optional</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Terms of
  the deferred acount. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ DeferredAccountTerms/<br>
  <b><span style='color:red'>type</span></b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>DeferredLoanTermsType - </span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Type of
  loan terms. Allows Experian value &#8211; &#8220;D&#8221; &#8211; or
  additional values if pre-fixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>HighBalanceAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  highest balance recorded for the account by the liability holder. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>HighCreditAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  highest credit limit established for the account by the liability holder. It
  could be higher than the current credit limit. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>LastActivityDate</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date of
  last activity reported. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>MannerOfPayment</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  current manner of payment for the liability account. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>LateCount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>LateDelinquentCountType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  number of times the liability account was reported late by the liability
  holder. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>OriginalLoanAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  original amount of the loan. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>ActualPaymentAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  monthly amount the consumer has paid or is scheduled to pay. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>EstimatedPaymentAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  estimated monthly amount the consumer will pay or is scheduled to pay. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>ScheduledPaymentAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  monthly amount the consumer is scheduled to pay. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>MonthsReviewedCount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  number of months of account history reported by the liability holder. This is
  the period over which Late Counts are accumulated. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>PastDueAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Amount
  past due. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>PaymentLevelDate</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  the account first reached the present status level. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>TermsDescription</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A text
  description for the loan terms (for example, 360 months at $820 per month). </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>TermsMonthsCount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:positiveInteger - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  total number of months established as terms for repayment of a loan. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>TermsSourceType</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Calculated,
  Provided</span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Indicates
  whether the monthly payment terms amount was provided by the repository
  bureau, or calculated by the credit bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>UnpaidBalanceAmount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  balance owed on a liability account as of the Date Reported by a repository
  bureau or credit bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AdditionalItems</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDetailType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  flexible container for passing other relevant details. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919090">3.2.10<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Creditor</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=411 height=224 src="CreditReport_files/image011.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>Creditor</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditContactType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contact
  information for a lender or other creditor. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ Creditor/<br>
  <b>OrganizationName</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  by which an organization or enterprise is known as established under the laws
  of a country, state, province or ruling governmental body for the purpose of
  conducting business transactions. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ Creditor/<br>
  <b>OriginalOrganizationName</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>When a
  liability account has been transferred or is being handled by a collection
  agency, this element indicates the name of original creditor. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ Creditor/<br>
  <b>OrganizationId</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EntityIdType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>An
  organizational identifier. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ Creditor/<br>
  <b>CreditBusinessType</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditBusinessTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  credit repository bureaus can identify the type of business of the liability
  holder. This information is needed for an automated scoring application. This
  data is available for liability and inquiry records from Equifax, Experian
  and Trans Union. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ Creditor/ CreditBusinessType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditBusinessTypeQualifiers - </span><span
  style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerated
  values include: &#8220;Advertising&#8221;, &#8221;Automotive&#8221;,
  &#8221;Banking&#8221;, &#8221;Clothing&#8221;,
  &#8220;CollectionServices&#8221;, &#8220;Contractors&#8221;, etc.&nbsp; For
  further information, see CreditBusinessTypeQualifiers in Section 3.2.35, Global
  Simple Types.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ Creditor/ CreditBusinessType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ Creditor/ CreditBusinessType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship. RepositoryCode
  is a code assigned by the repository. RepositoryValue is the corresponding
  descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ Creditor/<br>
  <b>ContactMethod</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ContactMethodType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contact
  information, such as work or home telephone number. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919091">3.2.11<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>AccountOwnershipType</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=306 height=93 src="CreditReport_files/image012.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=616 style='width:462.0pt'>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountOwnershipType</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AccountOwnershipTypeType - </span><span style='color:
  blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Describes
  the relationship between the borrower(s) and the liability account. The
  following enumerations are available for &quot;Value&quot;: AuthorizedUser;
  Comaker; Individual; JointContractualLiability; JointParticipating; Maker;
  OnBehalfOf; Terminated; and Undesignated. Additional values are allowed if
  prefixed with an &quot;x:&quot; Also contains RepositoryCode and RepositoryValue.
  These elements have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountOwnershipType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AccountOwnershipTypes - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Container
  for the value required by the current context. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountOwnershipType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountOwnershipType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919092">3.2.12<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>AccountStatusType</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=283 height=93 src="CreditReport_files/image013.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountStatusType</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AccountStatusTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Status
  for an account as of the AccountStatusDate. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountStatusType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AccountStatusTypes - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Indicates
  the status of the account. Enumerated values are: &#8220;Closed&#8221;,
  &#8220;Frozen&#8221;, &#8220;Open&#8221;, &#8220;Paid&#8221;,
  &#8220;Refinanced&#8221;, and &#8220;Transferred&#8221;. Additional values
  are permitted if pre-fixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountStatusType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountStatusType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919093">3.2.13<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>AccountType</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=247 height=93 src="CreditReport_files/image014.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>AccountType</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AccountTypeType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This
  describes the type of account established with the liability account holder.
  For example, credit line, installment, mortgage, open, revolving. Enumerated
  values include CreditLine; Installment; Mortgage; Open; Revolving; and
  Unknown. Additional values are allowed if prefixed with an &quot;x:&quot;
  Also contains RepositoryCode and RepositoryValue. These elements have a
  &quot;name-value pair&quot; relationship. RepositoryCode is a code assigned
  by the repository. RepositoryValue is the corresponding descriptive field for
  RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AccountTypeTypes - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  of account. Enumerations include &#8220;CreditLine&#8221;,
  &#8220;Installment&#8221;, &#8220;Mortgage&#8221;, &#8220;Open&#8221;,
  &#8220;Revolving&#8221;, and &#8220;Unknown&#8221;. Additional values are
  permitted if pre-fixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ AccountType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship. RepositoryCode
  is a code assigned by the repository. RepositoryValue is the corresponding
  descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
</table>

<p class=MsoNormal>&nbsp;</p>

<h3><a name="_Toc75919094">3.2.14<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>CreditLoanType</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=262 height=93 src="CreditReport_files/image015.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>CreditLoanType</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditLoanTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  information describing the type of loan or liability. Value under
  CreditLoanType can contain more than 90 enumerated values (for example,
  Automobile, AutoRefinance, Boat, etc.) Also contains RepositoryCode and
  RepositoryValue. These elements have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ CreditLoanType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditLoanTypeTypes - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the type of loan. More than 90 loan types are enumerated.
  &#8220;Agriculture&#8221;, &#8220;ChildSupport&#8221;, &#8220;Lease&#8221;,
  and &#8220;Mortgage&#8221; are examples of possible values. Additional values
  are permtted if they are pre-fixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ CreditLoanType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ CreditLoanType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
</table>

<p class=MsoNormal>&nbsp;</p>

<h3><a name="_Toc75919095">3.2.15<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>CurrentRating</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=234 height=126 src="CreditReport_files/image016.jpg"></p>

<p class=MsoNormal align=center style='text-align:center'>&nbsp;</p>

<table class=MsoNormalTable border=1 cellpadding=0 width=616 style='width:462.0pt'>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>CurrentRating</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditRatingType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  credit bureau codes, &quot;manner of payment&quot; with respect to
  delinquencies, and dates and amounts when the borrower was late on payments. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ CurrentRating/<br>
  <b>Code</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Code
  value provided by credit bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ CurrentRating/<br>
  <b>Type</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MOPTypeType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  of information supplied. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ CurrentRating/<br>
  <b>Amount</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary amount. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=205 valign=top style='width:153.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ CurrentRating/<br>
  <b>Date</b></span></p>
  </td>
  <td width=202 valign=top style='width:151.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=201 valign=top style='width:150.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A date. </span></p>
  </td>
 </tr>
</table>

<p class=MsoNormal align=center style='text-align:center'>&nbsp;</p>

<p class=MsoNormal align=center style='text-align:center'>&nbsp;</p>

<p class=MsoNormal>&nbsp;</p>

<h3><a name="_Toc75919096">3.2.16<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>HighestAdverseRating</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=278 height=126 src="CreditReport_files/image017.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>HighestAdverseRating</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditRatingType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The most
  recent date and payment history code of the worst status beyond the current
  payment history element's contents. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ HighestAdverseRating/<br>
  <b>Code</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Code
  value provided by credit bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ HighestAdverseRating/<br>
  <b>Type</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MOPTypeType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This is
  the account&#8217;s Manner Of Payment (MOP) type. Enumerated values include:
  AsAgreed, ChargeOff, Collection, Foreclosure, Late30Days, Late60Days,
  Late90Days, LateOver120Days, NoDataAvailable, Repossession, TooNew,
  WageEarnerPlan. Additional values are permitted if pre-fixed&nbsp; with
  &#8220;x:&#8221;. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ HighestAdverseRating/<br>
  <b>Amount</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary amount. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ HighestAdverseRating/<br>
  <b>Date</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A date. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919097">3.2.17<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>MostRecentAdverseRating</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=302 height=126 src="CreditReport_files/image018.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>MostRecentAdverseRating</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditRatingType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The most
  recent amount that the borrower was reported delinquent by the liability
  holder. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ MostRecentAdverseRating/<br>
  <b>Code</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Code
  value provided by credit bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/ CreditReport/
  CreditLiability/ MostRecentAdverseRating/<br>
  <b>Type</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MOPTypeType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This is
  the account&#8217;s Manner Of Payment (MOP) type. Enumerated values include:
  AsAgreed, ChargeOff, Collection, Foreclosure, Late30Days, Late60Days,
  Late90Days, LateOver120Days, NoDataAvailable, Repossession, TooNew,
  WageEarnerPlan. Additional values are permitted if pre-fixed&nbsp; with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ MostRecentAdverseRating/<br>
  <b>Amount</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary amount. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ MostRecentAdverseRating/<br>
  <b>Date</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A date. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919098">3.2.18<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>PaymentPattern</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=230 height=60 src="CreditReport_files/image019.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>PaymentPattern</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>PaymentPatternType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This is
  a set of previous monthly payment ratings beginning with the Payment Pattern
  Start Date. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ PaymentPattern/<br>
  <b>Data</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  of the beginning of the data in the Credit Liability Payment Pattern Data. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ PaymentPattern/<br>
  <b>StartDate</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  beginning effective date for the specified supporting information. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919099">3.2.19<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>PriorAdverseRating</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=262 height=125 src="CreditReport_files/image020.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>PriorAdverseRating</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditRatingType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Information
  on prior adverse ratings. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ PriorAdverseRating/<br>
  <b>Code</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Code
  value provided by credit bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ PriorAdverseRating/<br>
  <b>Type</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MOPTypeType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This is
  the account&#8217;s Manner Of Payment (MOP) type. Enumerated values include: AsAgreed,
  ChargeOff, Collection, Foreclosure, Late30Days, Late60Days, Late90Days,
  LateOver120Days, NoDataAvailable, Repossession, TooNew, WageEarnerPlan.
  Additional values are permitted if pre-fixed&nbsp; with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ PriorAdverseRating/<br>
  <b>Amount</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary amount. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ PriorAdverseRating/<br>
  <b>Date</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A date. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919100">3.2.20<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>PaymentStatus</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=228 height=60 src="CreditReport_files/image021.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>PaymentStatus</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Description
  - <span style='color:green'>xsd:string - </span><span style='color:blue'>S
  (0/1)</span><br>
  Code - <span style='color:green'>xsd:string - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  description of the payment history of the account as of the balance date. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ PaymentStatus/<br>
  <b>Description</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Describes
  any work site environment information not previously defined. For example,
  square footage of work area. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ PaymentStatus/<br>
  <b>Code</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Code
  value provided by credit bureau. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919101">3.2.21<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>InformationalMessage</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=393 height=170 src="CreditReport_files/image022.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/<br>
  <b>InformationalMessage</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessagesType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Informational
  messages provided by the organization granting the credit. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ InformationalMessage/<br>
  <b>MessageClassification</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessageType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Additional
  identification of the message or alert source. i.e. EquifaxSAFESCAN, Lender,
  RepositoryBureau, etc. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ InformationalMessage/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information is effective or known to be
  correct. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ InformationalMessage/<br>
  <b>Text</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Explanatory
  text. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditLiability/ InformationalMessage/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919102">3.2.22<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>PublicRecord</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=249 height=799 src="CreditReport_files/image023.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=628 style='width:471.0pt'>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/ CreditReport/<br>
  <b>PublicRecord</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>PublicRecordsType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Information
  on bankruptcy and similar liabilities related to court actions/records. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>FurtherReviewRequired</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  boolean indicating whether further review may be required. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>AccountOwnershipType</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AccountOwnershipTypeType - </span><span style='color:
  blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Describes
  the relationship between the borrower(s) and the liability account. The
  following enumerations are available for &quot;Value&quot;: AuthorizedUser;
  Comaker; Individual; JointContractualLiability; JointParticipating; Maker;
  OnBehalfOf; Terminated; and Undesignated. Additional values are allowed if
  prefixed with an &quot;x:&quot; Also contains RepositoryCode and
  RepositoryValue. These elements have a &quot;name-value pair&quot;
  relationship. RepositoryCode is a code assigned by the repository.
  RepositoryValue is the corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ AccountOwnershipType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AccountOwnershipTypes - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Container
  for the value required by the current context. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ AccountOwnershipType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ AccountOwnershipType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>AgencyReference</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>AgencyReferenceType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  the case, docket, or other identifier and associated file date assigned by
  the reporting agency. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>AttorneyName</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  of the firm or person serving providing legal representation or service as an
  attorney. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>BankruptcyAssetsAmount</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  amount of the defendants declared assets at the time of bankruptcy. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>BankruptcyLiabilitiesAmount</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  amount of the defendants declared liabilities at the time of bankruptcy. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>BankruptcyType</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>BankruptcyTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Specifies
  the type of bankruptcy. Valid values are &quot;Business&quot; and
  &quot;Individual&quot;. Additional values are permitted if prefixed with
  &quot;x:&quot;. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>BankruptcyFilingMethod</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>BankruptcyFilingMethodType - </span><span
  style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Specifies
  the bankruptcy filing methods. Valid values are &quot;Individual&quot; and
  &quot;Joint&quot;. Additional values are permitted if prefixed with
  &quot;x:&quot;. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>CourtName</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Name of
  court to be searched. If court and/or country is not available, then
  PostalCode and Municipality must be supplied. In all cases, Region and
  CountryCode in the parent element must be supplied. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>CourtNumber</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Number
  identifying a court. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>ConsumerDisputeIndicator</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A boolean
  to indicate whether or not the consumer (borrower) disputes information
  reported for this account and has filed a FCRA dispute form. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>Creditor</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditContactType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contact
  information for a lender or other creditor. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ Creditor/<br>
  <b>OrganizationName</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  by which an organization or enterprise is known as established under the laws
  of a country, state, province or ruling governmental body for the purpose of
  conducting business transactions. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ Creditor/<br>
  <b>OriginalOrganizationName</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>When a
  liability account has been transferred or is being handled by a collection
  agency, this element indicates the name of original creditor. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ Creditor/<br>
  <b>OrganizationId</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EntityIdType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>An
  organizational identifier. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ Creditor/<br>
  <b>CreditBusinessType</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditBusinessTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  credit repository bureaus can identify the type of business of the liability
  holder. This information is needed for an automated scoring application. This
  data is available for liability and inquiry records from Equifax, Experian
  and Trans Union. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ Creditor/ CreditBusinessType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditBusinessTypeQualifiers - </span><span
  style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Container
  for the value required by the current context. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ Creditor/ CreditBusinessType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ Creditor/ CreditBusinessType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ Creditor/<br>
  <b>ContactMethod</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ContactMethodType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contact
  information, such as work or home telephone number. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>FilingDate</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date
  action was filed with the court. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>DefendantName</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  of the defendant. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>DerogatoryDataIndicator</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  boolean that indicates whether or not the liability account contains adverse
  or derogatory information. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>DispositionDate</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  disposition date of the bankruptcy action. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>DispositionType</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditDispositionType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Type of
  bankruptcy disposition. Enumerated values include: Adjudicated; Appealed;
  Cancelled; Completed; Converted; Discharged; Dismissed; Distributed; Filed;
  Granted; InvoluntarilyDischarged; Nonadjudicated; Other; Paid;
  PaidNotSatisfied; Pending; RealEstateSold; Released; Rescinded; Satisfied;
  Settled; Unknown; Unreleased; Unsatisfied; Vacated; VoluntarilyDischarged;
  and Withdrawn. Additional values are permitted if prefixed with an
  &quot;x:&quot;. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>LegalObligationAmount</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This is
  the amount listed in the public record that the defendant is obligated to
  pay. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>ManualUpdateIndicator</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This
  element indicates whether or not the data in the public record has been
  manually updated by the credit bureau based on an investigation. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>MaturityDate</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date
  upon which final payment or settlement is due. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>PaidDate</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  that the liability or legal obligation amount was paid to zero. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>PaymentFrequencyType</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>PaymentFrequencyTypeType - </span><span style='color:
  blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  frequency with which payments are made. For example, Monthly, Bi-Weekly, etc.
  </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>PlaintiffName</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  of the person or other entity who is the plaintiff.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>PublicRecordType</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>PublicRecordTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  of public record from which liability arises. Enumerated values include
  Annulment, BankruptcyChapter11, CustodyAgreement, DivorceDecree, etc.
  Additional values are permitted if prefixed with an &quot;x:&quot; </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>ReportedDate</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  the information was added to the credit file. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>SettledDate</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  that the public record case was settled. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>StatusDate</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  StatusDate is the date that the accounts Current Rating was changed to that
  status by the liability holder. If the current rating status is bankruptcy,
  for example, the StatusDate would be when the account first went into
  bankkruptcy. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>VoluntaryIndicator</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  boolean value. True if consumer voluntarily dismissed bankruptcy. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>AdditionalItems</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDetailType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  flexible container for passing other relevant details. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>InformationalMessage</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessagesType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Informational
  messages provided by the organization granting the credit. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ InformationalMessage/<br>
  <b>MessageClassification</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessageType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Additional
  identification of the message or alert source. i.e. EquifaxSAFESCAN, Lender,
  RepositoryBureau, etc. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ InformationalMessage/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information is effective or known to be
  correct. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ InformationalMessage/<br>
  <b>Text</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/*)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Explanatory
  text. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ InformationalMessage/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=190 valign=top style='width:142.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=237 valign=top style='width:177.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
</table>

<p class=MsoNormal>&nbsp;</p>

<h3><a name="_Toc75919103">3.2.23<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>InformationalMessage</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=393 height=170 src="CreditReport_files/image024.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/<br>
  <b>InformationalMessage</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessagesType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Informational
  messages provided by the organization granting the credit. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ InformationalMessage/<br>
  <b>MessageClassification</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessageType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Additional
  identification of the message or alert source. i.e. EquifaxSAFESCAN, Lender,
  RepositoryBureau, etc. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ InformationalMessage/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information is effective or known to be
  correct. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ InformationalMessage/<br>
  <b>Text</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Explanatory
  text. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ PublicRecord/ InformationalMessage/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919104">3.2.24<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>CreditInquiry</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=482 height=400 src="CreditReport_files/image025.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/<br>
  <b>CreditInquiry</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>InquiryType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A credit
  inquiry by a prospective creditor or other business. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/<br>
  <b>InquiryDate</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date of
  inquiry. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/<br>
  <b>InquiringOrganization</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditContactType - </span><span style='color:blue'>S
  (1/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Name and
  contact information for organization making the inquiry on consumer. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InquiringOrganization/<br>
  <b>OrganizationName</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The name
  by which an organization or enterprise is known as established under the laws
  of a country, state, province or ruling governmental body for the purpose of
  conducting business transactions. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InquiringOrganization/<br>
  <b>OriginalOrganizationName</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>When a
  liability account has been transferred or is being handled by a collection
  agency, this element indicates the name of original creditor. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InquiringOrganization/<br>
  <b>OrganizationId</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EntityIdType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>An
  organizational identifier. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InquiringOrganization/<br>
  <b>CreditBusinessType</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditBusinessTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  credit repository bureaus can identify the type of business of the liability
  holder. This information is needed for an automated scoring application. This
  data is available for liability and inquiry records from Equifax, Experian
  and Trans Union. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InquiringOrganization/ CreditBusinessType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditBusinessTypeQualifiers - </span><span
  style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerated
  values include: &#8220;Advertising&#8221;, &#8221;Automotive&#8221;,
  &#8221;Banking&#8221;, &#8221;Clothing&#8221;,
  &#8220;CollectionServices&#8221;, &#8220;Contractors&#8221;, etc.&nbsp; For
  further information, see CreditBusinessTypeQualifiers in Section 3.2.35, Global
  Simple Types.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InquiringOrganization/ CreditBusinessType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InquiringOrganization/ CreditBusinessType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InquiringOrganization/<br>
  <b>ContactMethod</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ContactMethodType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contact
  information, such as work or home telephone number. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/<br>
  <b>CreditLoanType</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditLoanTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  information describing the type of loan or liability. Value under
  CreditLoanType can contain more than 90 enumerated values (for example,
  Automobile, AutoRefinance, Boat, etc.) Also contains RepositoryCode and
  RepositoryValue. These elements have a &quot;name-value pair&quot;
  relationship. RepositoryCode is a code assigned by the repository.
  RepositoryValue is the corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ CreditLoanType/<br>
  <b>Value</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditLoanTypeTypes - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the type of loan. More than 90 loan types are enumerated.
  &#8220;Agriculture&#8221;, &#8220;ChildSupport&#8221;, &#8220;Lease&#8221;,
  and &#8220;Mortgage&#8221; are examples of possible values. Additional values
  are permtted if they are pre-fixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ CreditLoanType/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ CreditLoanType/<br>
  <b>RepositoryValue</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>RepositoryCode
  and RepositoryValue have a &quot;name-value pair&quot; relationship.
  RepositoryCode is a code assigned by the repository. RepositoryValue is the
  corresponding descriptive field for RepositoryCode. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/<br>
  <b>TermsDescription</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A text
  description for the loan terms (for example, 360 months at $820 per month). </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/<br>
  <b>InquiryResultType</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>InquiryResultTypeType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  result from a credit inquiry. Did the lender offer credit, refuse credit,
  etc. For complete enumerations, see InquiryResultTypeQualifiers in Section 3.2.35,
  Global Simple Types.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/<br>
  <b>AdditionalItems</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDetailType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  flexible container for passing other relevant details. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/<br>
  <b>InformationalMessage</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessagesType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Informational
  messages provided by the organization granting the credit. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/ CreditReport/
  CreditInquiry/ InformationalMessage/<br>
  <b>MessageClassification</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessageType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Additional
  identification of the message or alert source. i.e. EquifaxSAFESCAN, Lender,
  RepositoryBureau, etc. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InformationalMessage/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information is effective or known to be
  correct. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InformationalMessage/<br>
  <b>Text</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Explanatory
  text. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditInquiry/ InformationalMessage/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919105">3.2.25<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>CreditSummary</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=261 height=798 src="CreditReport_files/image026.jpg"></p>

<p class=MsoNormal>&nbsp;</p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>CreditSummary</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>SummaryType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  summary information regarding the search subject's credit. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>ClosedAccounts</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Total
  number of closed accounts. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>CollectionCount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Total
  number of collection accounts. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>CollectionsTransferred</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Total
  number of collection accounts transferred to third party collection agency. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>EmploymentInquiriesCount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  number of employment inquiries. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>ForeignBureauInfo</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  boolean that indicates whether any information has been reported from foreign
  bureaus. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>InquiriesCount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Number
  of inquiries in file. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>InstallmentAccounts</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Total
  number of Installment accounts. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>MortgageAccounts</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Total
  number of Mortgage accounts. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>MostRecentTradeDate</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The date
  of the most recent trade. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>NowDelinquentOrDerogatory</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Number
  of tradelines currently with derogatory status codes. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>OldestTradeDate</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDatesType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Oldest
  trade date. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>OpenAccounts</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Total
  number of open accounts. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/ CreditSummary/<br>
  <b>PaidAccounts</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Total
  number of open accounts. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>PeriodInquiries</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Number
  of inquiries during period supported by vendor of credit information. For
  example, Experian's reporting period is last 6 months. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>PublicRecords</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>An
  integer indicating the number of public record items on the profile. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>RealEstateBalance</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Balance
  of real estate liability. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/ CreditSummary/<br>
  <b>RealEstatePaymentAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of real estate payments. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>RevolvingAccounts</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  total number of revolving accounts. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>RevolvingAvailablePercent</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:decimal - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Whole
  percentage amount from 0 - 100, showing the percent of revolving credit
  available. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>TradesOrOther</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Number
  of trades or other items in file. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>WasDelinquentOrDerogatory</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Number
  of tradelines with past derogatory status codes. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>AdditionalItems</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDetailType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  flexible container for passing other relevant details. </span></p>
  </td>
 </tr>
</table>

<p class=MsoNormal>&nbsp;</p>

<h3><a name="_Toc75919106">3.2.26<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>BalanceAmount</a></h3>

<p class=XML align=center style='text-align:center'><span style='font-family:
Arial'><img border=0 width=284 height=102 src="CreditReport_files/image027.jpg"></span></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>BalanceAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditSummaryAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of installment loans. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ BalanceAmount/<br>
  <b>TotalAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary total. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ BalanceAmount/<br>
  <b>InstallmentAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ BalanceAmount/<br>
  <b>RevolvingAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ BalanceAmount/<br>
  <b>ClosedWithBalanceAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of closed tradelines that still contain a balance. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919107">3.2.27<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>DelinquencyCounters</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=306 height=129 src="CreditReport_files/image028.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>DelinquencyCounters</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>DelinquentCount
  - <span style='color:green'>LateDelinquentCountType - </span><span
  style='color:blue'>S (0/*)</span><br>
  Derogatory - <span style='color:green'>xsd:integer - </span><span
  style='color:blue'>S (0/1)</span><br>
  CurrentNegativeCount - <span style='color:green'>xsd:integer - </span><span
  style='color:blue'>S (0/1)</span><br>
  PreviousNegativeCount - <span style='color:green'>xsd:integer - </span><span
  style='color:blue'>S (0/1)</span><br>
  PreviousTimesNegativeCount - <span style='color:green'>xsd:integer - </span><span
  style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  counts of various types of delinquencies. For example, thirty days
  delinquent, sixty days delinquent, &quot;current negative count,&quot; etc. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ DelinquencyCounters/<br>
  <b>DelinquentCount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>LateDelinquentCountType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  counts of various types of delinquencies. For example, thirty days
  delinquent, sixty days delinquent, &quot;current negative count,&quot; etc. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ DelinquencyCounters/<br>
  <b>Derogatory</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Number
  of times derogatory information has been posted. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ DelinquencyCounters/<br>
  <b>CurrentNegativeCount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Current
  count of negative information reported. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ DelinquencyCounters/<br>
  <b>PreviousNegativeCount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Previous
  count of negative information reported. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ DelinquencyCounters/<br>
  <b>PreviousTimesNegativeCount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Previous
  times with a negative count. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919108">3.2.28<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>HightCreditAmount</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=284 height=102 src="CreditReport_files/image029.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>HighCreditAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditSummaryAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  highest credit limit established for the account by the liability holder. It
  could be higher than the current credit limit. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ HighCreditAmount/<br>
  <b>TotalAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary total. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ HighCreditAmount/<br>
  <b>InstallmentAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ HighCreditAmount/<br>
  <b>RevolvingAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ HighCreditAmount/<br>
  <b>ClosedWithBalanceAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of closed tradelines that still contain a balance. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919109">3.2.29<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>PastDueBalance</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=284 height=102 src="CreditReport_files/image030.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr style='page-break-inside:avoid'>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>PastDueBalance</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditSummaryAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Balance
  past due. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ PastDueBalance/<br>
  <b>TotalAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary total. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ PastDueBalance/<br>
  <b>InstallmentAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ PastDueBalance/<br>
  <b>RevolvingAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ PastDueBalance/<br>
  <b>ClosedWithBalanceAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of closed tradelines that still contain a balance. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919110">3.2.30<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>PaymentAmount</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=284 height=102 src="CreditReport_files/image031.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>PaymentAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditSummaryAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of monthly payments. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ PaymentAmount/<br>
  <b>TotalAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary total. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ PaymentAmount/<br>
  <b>InstallmentAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ PaymentAmount/<br>
  <b>RevolvingAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ PaymentAmount/<br>
  <b>ClosedWithBalanceAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of closed tradelines that still contain a balance. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919111">3.2.31<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>TotalCreditLimit</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=284 height=102 src="CreditReport_files/image032.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>TotalCreditLimit</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CreditSummaryAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  credit limit data, including totals for installment and revolving credit
  lines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ TotalCreditLimit/<br>
  <b>TotalAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  monetary total. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ TotalCreditLimit/<br>
  <b>InstallmentAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/ CreditSummary/
  TotalCreditLimit/<br>
  <b>RevolvingAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of revolving tradelines. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ TotalCreditLimit/<br>
  <b>ClosedWithBalanceAmount</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>CurrencyAmountType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Dollar
  amount of closed tradelines that still contain a balance. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919112">3.2.32<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>TradeRatings</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=312 height=30 src="CreditReport_files/image033.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr style='page-break-inside:avoid'>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>TradeRatings</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>TradeRating
  - <span style='color:green'>xsd:positiveInteger - </span><span
  style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Trade
  rating. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ TradeRatings/<br>
  <b>TradeRating</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:extension</span><b><span style='font-size:8.0pt;font-family:
  Verdana;color:black'> base: </span></b><span style='font-size:8.0pt;
  font-family:Verdana;color:green'>xsd:positiveInteger</span><span
  style='font-size:8.0pt;font-family:Verdana'><br>
  <span style='color:red'>ratingType</span> - <span style='color:green'>xsd:string
  - </span><span style='color:blue'>required</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  positive integer indicating the credit bureau-assigned trade rating. Has a
  required attribute &quot;ratingType&quot;, which is used to indicate the type
  of trade rating. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ TradeRatings/ TradeRating/<br>
  <b><span style='color:red'>ratingType</span></b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A string
  indicating the type of credit-bureau assigned trade rating. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919113">3.2.33<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>InformationalMessage</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=334 height=136 src="CreditReport_files/image034.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=640 style='width:480.0pt'>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/<br>
  <b>InformationalMessage</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessagesType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Informational
  messages provided by the organization granting the credit. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ InformationalMessage/<br>
  <b>MessageClassification</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessageType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Additional
  identification of the message or alert source. i.e. EquifaxSAFESCAN, Lender,
  RepositoryBureau, etc. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ InformationalMessage/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information is effective or known to be
  correct. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ InformationalMessage/<br>
  <b>Text</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/*)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Explanatory
  text. </span></p>
  </td>
 </tr>
 <tr>
  <td width=229 valign=top style='width:171.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditSummary/ InformationalMessage/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=214 valign=top style='width:160.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=189 valign=top style='width:141.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919114">3.2.34<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>CreditScore</a></h3>

<p class=MsoNormal align=center style='text-align:center'><img border=0
width=272 height=235 src="CreditReport_files/image035.jpg"></p>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/<br>
  <b>CreditScore</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>ScoreType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A score
  or rating assigned by a credit bureau based on the analysis of a search
  subject's credit history. Such analysis and rating is accomplished according
  to a designated &quot;score model&quot; developed by the credit bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/<br>
  <b>ScoreModel</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the score algorithm model name used to produce the referenced credit risk
  score. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/<br>
  <b>ScoreValue</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:integer - </span><span style='color:blue'>S (1/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Numeric
  credit score resulting from credit evaluation model. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/<br>
  <b>Alert</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:boolean - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  boolean value. Can be generated if a negative public record or collection is
  present or, in the case of Trans Union, when a MOP 07 or higher condition
  exists. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/<br>
  <b>Factor</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Code - <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span><br>
  Description - <span style='color:green'>xsd:string - </span><span
  style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Factors
  of the borrowers credit which give context to the referenced credit score.
  The factor code is normally a numeric code. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/ Factor/<br>
  <b>Code</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Code
  value provided by credit bureau. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/ Factor/<br>
  <b>Description</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Describes
  any work site environment information not previously defined. For example,
  square footage of work area. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/<br>
  <b>AdditionalItems</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDetailType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  flexible container for passing other relevant details. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/<br>
  <b>InformationalMessage</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessagesType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Informational
  messages provided by the organization granting the credit. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/ InformationalMessage/<br>
  <b>MessageClassification</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessageType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Additional
  identification of the message or alert source. i.e. EquifaxSAFESCAN, Lender,
  RepositoryBureau, etc. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/ InformationalMessage/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information is effective or known to be
  correct. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/ InformationalMessage/<br>
  <b>Text</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Explanatory
  text. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ CreditScore/ InformationalMessage/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/<br>
  <b>AdditionalItems</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>FlexibleDetailType - </span><span style='color:blue'>S
  (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A
  flexible container for passing other relevant details. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/<br>
  <b>InformationalMessage</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessagesType - </span><span style='color:blue'>S (0/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Informational
  messages provided by the organization granting the credit. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ InformationalMessage/<br>
  <b>MessageClassification</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>MessageType - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Additional
  identification of the message or alert source. i.e. EquifaxSAFESCAN, Lender,
  RepositoryBureau, etc. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ InformationalMessage/<br>
  <b>EffectiveDate</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>EffectiveDateType - </span><span style='color:blue'>S
  (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Date or
  time interval on or during which information is effective or known to be
  correct. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ InformationalMessage/<br>
  <b>Text</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (1/*)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Explanatory
  text. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=187 valign=top style='width:140.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/
  CreditReport/ InformationalMessage/<br>
  <b>RepositoryCode</b></span></p>
  </td>
  <td width=232 valign=top style='width:174.0pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>- <span
  style='color:green'>xsd:string - </span><span style='color:blue'>S (0/1)</span></span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>A code
  provided by the credit bureau repository. </span></p>
  </td>
 </tr>
</table>

<h3><a name="_Toc75919115"></a><a name="_Ref31172364">3.2.35<span
style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Global
Simple Types</a></h3>

<table class=MsoNormalTable border=1 cellpadding=0 width=610 style='width:457.5pt'>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[AccountOwnershipTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: AccountOwnershipTypeQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerated
  account ownership types are: AuthorizedUser, Comaker Individual,
  JointContractualLiability, JointParticipating, Maker, OnBehalfOf, Terminated,
  and Undesignated. Additional values are permitted if prefixed with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[AccountOwnershipTypeQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]:
  AuthorizedUser, Comaker, Individual, JointContractualLiability,
  JointParticipating, Maker, OnBehalfOf, Terminated, Undesignated</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerated
  account ownership types are: AuthorizedUser, Comaker Individual,
  JointContractualLiability, JointParticipating, Maker, OnBehalfOf, Terminated,
  and Undesignated. Additional values are permitted if prefixed with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[AccountStatusTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: AccountStatusQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Indicates
  the status of the account. Enumerated values are: &#8220;Closed&#8221;,
  &#8220;Frozen&#8221;, &#8220;Open&#8221;, &#8220;Paid&#8221;,
  &#8220;Refinanced&#8221;, and &#8220;Transferred&#8221;. Additional values
  are permitted if prefixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[AccountStatusQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Closed,
  Frozen, Open, Paid, Refinanced, Transferred</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Indicates
  the status of the account. Enumerated values are: &#8220;Closed&#8221;, &#8220;Frozen&#8221;,
  &#8220;Open&#8221;, &#8220;Paid&#8221;, &#8220;Refinanced&#8221;, and
  &#8220;Transferred&#8221;. Additional values are permitted if prefixed with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[AccountTypeTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: AccountTypeQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  of account. Enumerations include &#8220;CreditLine&#8221;, &#8220;Installment&#8221;,
  &#8220;Mortgage&#8221;, &#8220;Open&#8221;, &#8220;Revolving&#8221;, and
  &#8220;Unknown&#8221;. Additional values are permitted if prefixed with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[AccountTypeQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: CreditLine,
  Installment, Mortgage, Open, Revolving, Unknown</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  of account. Enumerations include &#8220;CreditLine&#8221;,
  &#8220;Installment&#8221;, &#8220;Mortgage&#8221;, &#8220;Open&#8221;,
  &#8220;Revolving&#8221;, and &#8220;Unknown&#8221;. Additional values are
  permitted if prefixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[AlertSourceTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]:
  EquifaxSAFESCAN, EquifaxSSNVerified, ExperianFACSPlus, TransUnionHAWKAlert,
  TransUnionTransAlert</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the source of an alert. Enumerations include: EquifaxSAFESCAN,
  EquifaxSSNVerified, ExperianFACSPlus, TransUnionHAWKAlert,
  TransUnionTransAlert</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[BankruptcyTypeType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: BankruptcyTypeQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Specifies
  the type of bankruptcy. Valid values are &quot;Business&quot; and
  &quot;Individual&quot;. Additional values are permitted if prefixed with
  &quot;x:&quot;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[BankruptcyTypeQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Business,
  Individual</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Specifies
  the type of bankruptcy. Valid values are &quot;Business&quot; and
  &quot;Individual&quot;. Additional values are permitted if prefixed with
  &quot;x:&quot;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[BankruptcyFilingMethodType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: BankruptcyFilingMethodQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Specifies
  the bankruptcy filing methods. Valid values are &quot;Individual&quot; and
  &quot;Joint&quot;. Additional values are permitted if prefixed with
  &quot;x:&quot;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[BankruptcyFilingMethodQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Individual,
  Joint</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Specifies
  the bankruptcy filing methods. Valid values are &quot;Individual&quot; and
  &quot;Joint&quot;. Additional values are permitted if prefixed with
  &quot;x:&quot;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CommentSourceTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Borrower,
  CreditBureau, Equifax, Experian, Lender, RepositoryBureau, TransUnion,
  Unknown</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Indicates
  the source of a comment.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CreditBusinessTypeQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]:
  Advertising, Automotive, Banking, Clothing, CollectionServices, Contractors,
  CreditCard, DepartmentAndMailOrder, Employment, FarmAndGardenSupplies,
  Finance, Government, Grocery, HomeFurnishing, Insurance, JewelryAndCamera,
  LumberAndHardware, MedicalAndHealth, MiscellaneousAndPublicRecord,
  OilAndNationalCreditCards, PersonalServicesNotMedical,
  RealEstateAndPublicAccommodation, SportingGoods, UtilitiesAndFuel, Wholesale</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Type of
  organization extending credit.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CreditConsumerReferralTypeType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: CreditConsumerReferralTypes,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the credit bureau(s) and/or other organization responsible for reporting the
  information in the credit report.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CreditConsumerReferralTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Equifax,
  Experian, File, TransUnion, Vendor, Other</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the credit bureau(s) and/or other organization responsible for reporting the
  information in the credit report. Enumerated values include
  &#8220;Equifax&#8221;, &#8220;Experian&#8221;, &#8220;File&#8221;,
  &#8220;TransUnion&#8221;, &#8220;Vendor&#8221;, and &#8220;Other&#8221;.
  Additional values are permitted if prefixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CreditDispositionQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]:
  Adjudicated, Appealed, Cancelled, Completed, Converted, Discharged,
  Dismissed, Distributed, Filed, Granted, InvoluntarilyDischarged,
  Nonadjudicated, Other, Paid, PaidNotSatisfied, Pending, RealEstateSold,
  Released, Rescinded, Satisfied, Settled, Unknown, Unreleased, Unsatisfied,
  Vacated, VoluntarilyDischarged, Withdrawn</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  current status of disposition of the liability. Enumerated values include:
  &#8220;Adjudicated&#8221;, &#8220;Appealed&#8221;, &#8220;Cancelled&#8221;,
  &#8220;Completed&#8221;, &#8220;Converted&#8221;, &#8220;Discharged&#8221;,
  &#8220;Withdrawn&#8221;, etc. Additional values are permitted if prefixed
  with an &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CreditDispositionType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: CreditDispositionTypes,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Type of
  bankruptcy disposition. Enumerated values include: Adjudicated; Appealed;
  Cancelled; Completed; Converted; Discharged; Dismissed; Distributed; Filed;
  Granted; InvoluntarilyDischarged; Nonadjudicated; Other; Paid;
  PaidNotSatisfied; Pending; RealEstateSold; Released; Rescinded; Satisfied; Settled;
  Unknown; Unreleased; Unsatisfied; Vacated; VoluntarilyDischarged; and
  Withdrawn. Additional values are permitted if prefixed with an
  &quot;x:&quot;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CreditDispositionTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]:
  Adjudicated, Appealed, Cancelled, Completed, Converted, Discharged,
  Dismissed, Distributed, Filed, Granted, InvoluntarilyDischarged,
  Nonadjudicated, Other, Paid, PaidNotSatisfied, Pending, RealEstateSold,
  Released, Rescinded, Satisfied, Settled, Unknown, Unreleased, Unsatisfied,
  Vacated, VoluntarilyDischarged, Withdrawn</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Type of
  bankruptcy disposition. Enumerated values include: Adjudicated; Appealed;
  Cancelled; Completed; Converted; Discharged; Dismissed; Distributed; Filed;
  Granted; InvoluntarilyDischarged; Nonadjudicated; Other; Paid; PaidNotSatisfied;
  Pending; RealEstateSold; Released; Rescinded; Satisfied; Settled; Unknown;
  Unreleased; Unsatisfied; Vacated; VoluntarilyDischarged; and Withdrawn.
  Additional values are permitted if prefixed with an &quot;x:&quot;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CreditLoanTypeTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: CreditLoanTypeQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the type of loan. More than 90 loan types are enumerated.
  &#8220;Agriculture&#8221;, &#8220;ChildSupport&#8221;, &#8220;Lease&#8221;,
  and &#8220;Mortgage&#8221; are examples of possible values. Additional values
  are permtted if they are prefixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CreditLoanTypeQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]:
  Agriculture, Airplane, ApplianceOrFurniture, AttorneyFees, AutoLease,
  AutoLoanEquityTransfer, Automobile, AutoRefinance, Boat, Business,
  BusinessCreditCard, ChargeAccount, CheckCreditOrLineOfCredit, ChildSupport,
  Collection, CollectionAttorney, Comaker, CombinedCreditPlan,
  CommercialCreditObligation, CommercialLineOfCredit, CommercialMortgage,
  ConditionalSalesContract, Consolidation, ConventionalRealEstateMortgage,
  CreditCard, CreditLineSecured, DebitCard, DebtCounselingService,
  DepositRelated, Educational, Employment, FactoringCompanyAccount,
  FamilySupport, FarmersHomeAdministrationFHMA, FederalConsolidatedLoan,
  FHAComakerNotBorrower, FHAHomeImprovement, FHARealEstateMortgage,
  FinanceStatement, GovernmentBenefit, GovernmentEmployeeAdvance,
  GovernmentFeeForService, GovernmentFine, GovernmentGrant,
  GovernmentMiscellaneousDebt, GovernmentOverpayment,
  GovernmentSecuredDirectLoan, GovernmentSecuredGuaranteeLoan, GovernmentUnsecuredDirectLoan,
  GovernmentUnsecuredGuaranteeLoan, HomeEquityLineOfCredit, HomeImprovement,
  HouseholdGoods, HouseholdGoodsAndOtherCollateralAuto, HouseholdGoodsSecured,
  InstallmentLoan, InstallmentSalesContract, InsuranceClaims, Lease, LenderPlacedInsurance,
  ManualMortgage, MedicalDebt, MobileHome, Mortgage, NoteLoan,
  NoteLoanWithComaker, Other, PartiallySecured, PersonalLoan,
  RealEstateJuniorLiens, RealEstateLoanEquityTransfer,
  RealEstateMortgageWithoutOtherCollateral, RealEstateSpecificTypeUnknown,
  Recreational, RecreationalVehicle, Refinance, RefundAnticipationLoan,
  RentalAgreement, ResidentialLoan, ReturnedCheck, RevolvingBusinessLines,
  Secured, SecuredByCosigner, SecuredCreditCard, SecuredHomeImprovement,
  SinglePaymentLoan, SpouseSupport, SummaryOfAccountsWithSameStatus,
  TimeSharedLoan, Title1Loan, UnknownLoanType, Unsecured,
  VeteransAdministrationLoan, VeteransAdministrationRealEstateMortgage</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Contains
  information describing the type of loan or liability. Value under
  CreditLoanType can contain more than 90 enumerated values (for example,
  Automobile, AutoRefinance, Boat, etc.) Also contains RepositoryCode and
  RepositoryValue. These elements have a &quot;name-value pair&quot;
  relationship. RepositoryCode is a code assigned by the repository. RepositoryValue
  is the corresponding descriptive field for RepositoryCode.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[CurrencyType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Must
  conform to the three-character code designated under ISO 4217 -
  Representation of Currency and Funds. For example, USD for U.S. dollars.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[DeferredLoanTermsType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: ExperianLoanTermsTypes,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Type of
  loan terms. Allows Experian value or additional values if pre-fixed with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[DispositionTypeType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: CreditDispositionQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The
  current status of disposition of the liability. Enumerated values include:
  &#8220;Adjudicated&#8221;, &#8220;Appealed&#8221;, &#8220;Cancelled&#8221;,
  &#8220;Completed&#8221;, &#8220;Converted&#8221;, &#8220;Discharged&#8221;,
  &#8220;Withdrawn&#8221;, etc. Additional values are permitted if prefixed
  with an &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[ExperianLoanTermsTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: D</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Type of
  loan terms. Allows Experian value or additional values if prefixed with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[InquiryResultTypeType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: InquiryResultTypeQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerations
  for inquiry result.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[InquiryResultTypeQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]:
  AccountClosed, ApplicationPending, Declined, DidNotInquire, NoOpenAccount,
  NotALender, OpenAccountNumberNotIssued, OpenDiscovered, OpenPrimaryAccount,
  ReportingAgencyInquiry, Unknown</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerations
  for inquiry result.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[LiabilityType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: LiabilityTypes,xStringPatternExtensionType</span><span
  style='font-size:8.0pt;font-family:Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerations
  identifying the type of liability.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[LiabilityTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Trade,
  Collection, SecuredLoan, Other</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerations
  identifying the type of liability. Enumerations include &#8220;Trade,&#8221;
  &#8220;Collection,&#8221; &#8220;SecuredLoan,&#8221; and &#8220;Other&#8221;.
  Additional values are permitted if prefixed with &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[MessageType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: CommentSourceTypes,AlertSourceTypes,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the type of credit-bureau message. Enumerated values include:
  &#8220;Alert&#8221;, &#8220;Comment&#8221;, &#8220;Unknown&#8221;, and
  &#8220;Other&#8221;.&nbsp; Additional values are permitted if prefixed with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[MessageSourceType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Alert,
  Comment, Unknown, Other</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Identifies
  the type of credit-bureau message. Enumerated values include:
  &#8220;Alert&#8221;, &#8220;Comment&#8221;, &#8220;Unknown&#8221;, and
  &#8220;Other&#8221;.&nbsp; </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[MOPTypeType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: MOPTypes,xStringPatternExtensionType</span><span
  style='font-size:8.0pt;font-family:Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This is
  the account&#8217;s Manner Of Payment (MOP) type. Enumerated values include:
  AsAgreed, ChargeOff, Collection, Foreclosure, Late30Days, Late60Days,
  Late90Days, LateOver120Days, NoDataAvailable, Repossession, TooNew,
  WageEarnerPlan. Additional values are permitted if prefixed&nbsp; with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[MOPTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: AsAgreed,
  ChargeOff, Collection, Foreclosure, Late30Days, Late60Days, Late90Days,
  LateOver120Days, NoDataAvailable, Repossession, TooNew, WageEarnerPlan</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>This is
  the account&#8217;s Manner Of Payment (MOP) type. Enumerated values include:
  AsAgreed, ChargeOff, Collection, Foreclosure, Late30Days, Late60Days,
  Late90Days, LateOver120Days, NoDataAvailable, Repossession, TooNew,
  WageEarnerPlan. Additional values are permitted if prefixed&nbsp; with
  &#8220;x:&#8221;.</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[PaymentFrequencyTypeType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: PaymentFrequencyQualifiers,<br>
  xStringPatternExtensionType</span><span style='font-size:8.0pt;font-family:
  Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerated
  payment frequencies. For example, Lumpsum, Monthly, Weekly, Biweekly.
  Additional values are permitted if prefixed with &#8220;x&#8221;: </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[PaymentFrequencyQualifiers]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Biweekly,
  LumpSum, Monthly, Weekly, SemiMonthly, Daily, TwiceWeekly, FourWeeks,
  Quarterly, Annually, Other, Unknown</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>Enumerated
  payment frequencies. For example, Lumpsum, Monthly, Weekly, Biweekly. </span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[PublicRecordTypeType]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>- [Union]: PublicRecordTypes,xStringPatternExtensionType</span><span
  style='font-size:8.0pt;font-family:Verdana'> </span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  of public record from which a liability arises. Enumerated values include
  Annulment, BankruptcyChapter11, CustodyAgreement, DivorceDecree, etc.
  Additional values are permitted if prefixed with an &quot;x:&quot;</span></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=193 valign=top style='width:144.75pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>/<br>
  <b>[PublicRecordTypes]</b></span></p>
  </td>
  <td width=226 valign=top style='width:169.5pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana;
  color:green'>xsd:restriction</span><b><span style='font-size:8.0pt;
  font-family:Verdana;color:black'> base: </span></b><span style='font-size:
  8.0pt;font-family:Verdana;color:green'>xsd:string [Enumerations]: Annulment,
  Attachment, BankruptcyChapter11, BankruptcyChapter12, BankruptcyChapter13,
  BankruptcyChapter7, BankruptcyChapter7Involuntary,
  BankruptcyChapter7Voluntary, BankruptcyTypeUnknown, Collection,
  CustodyAgreement, DivorceDecree, FicticiousName, FinancialCounseling,
  FinancingStatement, ForcibleDetainer, Foreclosure, Garnishment, Judgment,
  LawSuit, Lien, NonResponsibility, NoticeOfDefault, Other, PublicSale,
  RealEstateRecording, Repossession, SupportDebt, TaxLienCity, TaxLienCounty,
  TaxLienFederal, TaxLienOther, TaxLienState, Trusteeship, Unknown,
  UnlawfulDetainer</span></p>
  </td>
  <td width=183 valign=top style='width:137.25pt;padding:.75pt .75pt .75pt .75pt'>
  <p class=MsoNormal><span style='font-size:8.0pt;font-family:Verdana'>The type
  of public record from which a liability arises. Enumerated values include
  Annulment, BankruptcyChapter11, CustodyAgreement, DivorceDecree, etc.
  Additional values are permitted if prefixed with an &quot;x:&quot;</span></p>
  </td>
 </tr>
</table>

<h1><a name="_Toc75919116"></a><a name="_Toc31126287">4<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Implementation Considerations</a></h1>

<h2><a name="_Toc75919117"></a><a name="_Toc31126288"></a><a name="_Ref27387202"></a><a
name="_Ref27387127">4.1<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Data Privacy</a></h2>

<p class=MsoNormal style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>Human
resources data, by its very nature, is personal data. The laws of many
jurisdictions as well as codes of fair information practice require
organizations to handle personal data in a way that protects individuals from
loss of privacy.</p>

<p class=MsoNormal style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>&nbsp;</p>

<p class=MsoNormal style='margin:0in;margin-bottom:.0001pt;text-autospace:none'>The
data exchange specifications developed by the HR-XML Consortium are designed to
be useful across many jurisdictions and within a variety of business contexts.
It is not feasible for the HR-XML Consortium to develop specific privacy
guidance for every jurisdiction or business context in which the Consortium's
specifications might be implemented. When implementing data exchanges using the
HR-XML Consortium's data definitions (or, for that matter, using any other type
of data exchange mechanism), organizations are advised to examine the privacy
protections that may be required under applicable law and codes of fair
information practice.</p>

<p class=MsoNormal>For information on protecting personal data, general
references include: European Union Data Protection Directive (95/46/EC); the
Association Computing Machinery Code of Ethics&nbsp; (1992); Canadian Standards
Association Model Code for the Protection of Personal Information (1995 &#8211;
PIPEDA); and U.S.-EU Safe Harbor Principles and FAQs (2000).</p>

<h2><a name="_Toc75919118"></a><a name="_Toc31126289"></a><a name="_Ref27387267"></a><a
name="_Ref27387235"></a><a name="_Ref27387139"></a><a name="_Ref27387135">4.2<span
style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Laws Governing Credit Checks</a></h2>

<p class=MsoNormal>Implementers of the HR-XML Consortium&#8217;s Credit Report
schema are advised to review applicable law in the jurisdictions in which they
operate.&nbsp; For example, in United States, the Fair Credit Reporting Act may
require third-party providers of background-check services to obtain the
consent of search subjects and to advise them of results before adverse action
is taken.&nbsp;&nbsp;&nbsp; </p>

<h1><a name="_Toc492656050"></a><a name="_Toc492655888"></a><a
name="_Toc487469954"></a><a name="_Toc480517156"></a><a name="_Toc459726669"></a><a
name="_Toc75919119"></a><a name="_Toc31213073">5<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Appendix A &#8211; Document Version History</a></h1>

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='margin-left:-.05in;border-collapse:collapse;border:none'>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  background:#E5E5E5;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText align=center style='text-align:center'><b>Date</b></p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border:solid windowtext 1.0pt;
  border-left:none;background:#E5E5E5;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText><b>Description</b></p>
  </td>
 </tr>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>2002 Dec 06</p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>Initial Draft </p>
  </td>
 </tr>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>2003 Jan 23</p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>Incorporated TSC/CPO comments / SAP comments</p>
  </td>
 </tr>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>2003 Feb 10</p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>Incorporated changes from review</p>
  </td>
 </tr>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>2003 Feb 17</p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>Edits to reflect schema changes necessary to resolve
  ambiguous content models</p>
  </td>
 </tr>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>2003-Feb-26</p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>Approved recommendation by HR-XML Consortium. <span
  style='background:white'>The default and targetNamespaces of all HR-XML
  schemas have been standardized to &quot;http://ns.hr-xml.org&quot;.</span>
  This recommendation is available as part of the HR-XML 2_0 architecture.</p>
  </td>
 </tr>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>2003-Sept-01</p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>EmploymentHistory 2_2 passed a vote and incorporated
  here.&nbsp; No other changes.</p>
  </td>
 </tr>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>2004-Jun-25</p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>Moved CurrencyAmountType and CurrencyType to ScreeningTypes schema.</p>
  </td>
 </tr>
 <tr>
  <td width=114 valign=top style='width:85.5pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>2006-Feb-28</p>
  </td>
  <td width=462 valign=top style='width:346.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=TableText>Approved by Consortium</p>
  </td>
 </tr>
</table>

<h1><a name="_Toc75919120"></a><a name="_Toc26782514">6<span style='font:7.0pt "Times New Roman"'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>Appendix B &#8211; Related Documents</a></h1>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=606
 style='width:454.5pt;margin-left:-.05in;border-collapse:collapse'>
 <tr style='height:13.95pt'>
  <td width=138 valign=top style='width:103.5pt;background:#E5E5E5;padding:
  0in 5.4pt 0in 5.4pt;height:13.95pt'>
  <p class=TableText><b><span style='font-size:8.0pt'>Reference</span></b></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;background:#E5E5E5;padding:
  0in 5.4pt 0in 5.4pt;height:13.95pt'>
  <p class=TableText><b><span style='font-size:8.0pt'>Link</span></b></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Entity Identifiers</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/EntityIdentifiers.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/EntityIdentifiers.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Date/Time data types</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/DateTimeDataTypes.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/DateTimeDataTypes.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Contact Method</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/ContactMethod.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/ContactMethod.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Person Name</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/PersonName.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/PersonName.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>PostalAddress</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/PostalAddress.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/PostalAddress.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Competencies</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/Competencies.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/Competencies.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>WorkSite</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/WorkSite.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/WorkSite.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Background Reports</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/BackgroundReports.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/BackgroundReports.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Background Requests</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/BackgroundRequests.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/BackgroundRequests.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Credit Report</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/CreditReport.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/Screening/US/CreditReport.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Education History</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/EducationHistory.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/EducationHistory.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Employment History</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/EmploymentHistory.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/EmploymentHistory.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Military History</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/MilitaryHistory.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/MilitaryHistory.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Job and Position Headers</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/JobAndPositionHeader.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/JobAndPositionHeader.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>ISO Utilities</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/GuidelinesForISOUtilities.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/GuidelinesForISOUtilities.html</a>
  </span></p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td width=138 valign=top style='width:103.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'>Identifier Types</span></p>
  </td>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:14.85pt'>
  <p class=TableText><span style='font-size:8.0pt'><a
  href="http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/IdentifierTypes.html">http://ns.hr-xml.org/2_5/HR-XML-2_5/CPO/IdentifierTypes.html</a>
  </span></p>
  </td>
 </tr>
</table>

<p class=XML align=center style='text-align:center'><b><span style='font-family:
Arial'>&nbsp;</span></b></p>

<p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</p>

</div>

</body>

</html>
